<SEC-DOCUMENT>0001104659-23-112981.txt : 20231031
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<ACCEPTANCE-DATETIME>20231031170027
ACCESSION NUMBER:		0001104659-23-112981
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20231026
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20231031
DATE AS OF CHANGE:		20231031

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OLD NATIONAL BANCORP /IN/
		CENTRAL INDEX KEY:			0000707179
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				351539838
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15817
		FILM NUMBER:		231365458

	BUSINESS ADDRESS:	
		STREET 1:		ONE MAIN ST
		CITY:			EVANSVILLE
		STATE:			IN
		ZIP:			47708
		BUSINESS PHONE:		8124641434

	MAIL ADDRESS:	
		STREET 1:		ONE MAIN ST
		CITY:			EVANSVILLE
		STATE:			IN
		ZIP:			47708

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	O
		DATE OF NAME CHANGE:	19950822
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>WASHINGTON, DC 20549</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Pursuant to Section&#160;13 or 15(d)&#160;of
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Check the appropriate box below if the Form&#160;8-K filing is intended
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the Registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (s230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of
1934 (s240.12b-2 of this chapter).</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Emerging growth company <span style="font-family: Wingdings"><span id="xdx_90D_edei--EntityEmergingGrowthCompany_c20231026__20231026_zsJ6fvc1Ulyf"><ix:nonNumeric contextRef="AsOf2023-10-26" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#168;</ix:nonNumeric></span></span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If an emerging growth company, indicate by
check mark if the Registrant has elected not to use extended transition period for complying with any new or revised financial
accounting standards provided pursuant to Section&#160;13(a)&#160;of the Exchange Act. <span style="font-family: Wingdings">&#168;</span></p>

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

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

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

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">On October&#160;26,
2023, Old National Bancorp, an Indiana corporation (the &#8220;Company&#8221;), entered into an Agreement and Plan of Merger (the
&#8220;Merger Agreement&#8221;) with CapStar Financial Holdings,&#160;Inc., a Tennessee corporation (&#8220;CapStar&#8221;). The
Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, CapStar will merge with and into the
Company (the &#8220;Merger&#8221;), with the Company as the surviving corporation in the Merger (the &#8220;Surviving
Corporation&#8221;). Immediately following the Merger, or at such later time as the Company may determine, CapStar&#8217;s
wholly-owned subsidiary, CapStar Bank, a state bank chartered under the laws of the State of Tennessee, will merge with and into the
Company&#8217;s wholly-owned subsidiary, Old National Bank, a national banking association (the &#8220;Bank Merger&#8221;), with Old
National Bank as the surviving bank in the Bank Merger. The Merger Agreement was unanimously approved and adopted by the board of
directors of each of the Company and CapStar.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Subject to the terms and conditions of the Merger Agreement, at the
effective time of the Merger (the &#8220;Effective Time&#8221;), each share of common stock, $1.00 par value, of CapStar (&#8220;CapStar
Common Stock&#8221;) outstanding immediately prior to the Effective Time, other than certain shares held by CapStar as treasury stock
or shares owned by CapStar or the Company, will be converted into the right to receive, without interest, (a) 1.155 shares (the &#8220;Exchange
Ratio&#8221;) of common stock, no par value, of the Company (&#8220;Company Common Stock&#8221; and such consideration is hereinafter
referred to as the &#8220;Merger Consideration&#8221;) and (b) cash in lieu of fractional shares.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">At the Effective Time, (i) each option to purchase shares of CapStar
Common Stock that is outstanding immediately prior to the Effective Time, whether vested or unvested, will, automatically, and without
any required action on the part of the holder thereof, be cancelled, with the holder of such option becoming entitled to receive, in full
satisfaction of the rights of the holder with respect thereto, the Merger Consideration in respect of each share of CapStar Common Stock
subject to such option, less the applicable exercise price and tax withholding; (ii) each award of a share of restricted CapStar Common
Stock subject to vesting, repurchase or other lapse restriction, whether vested or unvested, that is outstanding as of immediately prior
to the Effective Time will be assumed by the Company and converted into a restricted stock award with respect to the number of shares
of Company Common Stock determined based on the Exchange Ratio, other than any such award held by a non-employee director, which will
fully vest and be cancelled and converted into the right to receive the Merger Consideration in respect of each share of CapStar Common
Stock underlying such award; (iii) each restricted stock unit award in respect of shares of CapStar Common Stock (other than any such
award subject to performance-based vesting conditions) that is outstanding as of immediately prior to the Effective Time will be assumed
by the Company and converted into a restricted stock unit award with respect to the number of shares of Company Common Stock determined
based on the Exchange Ratio; and (iv) each performance-based restricted stock unit award in respect of shares of CapStar Common Stock
that is outstanding as of immediately prior to the Effective Time, pursuant to its terms, will fully vest (with performance goals deemed
achieved based on the greater of the target performance level or actual performance as determined by the board of directors of CapStar
or its compensation committee) and will be cancelled and converted automatically (without any further action on part of the holder thereto)
into the right to receive the Merger Consideration in respect of each share of CapStar Common Stock underlying such award.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">The Merger Agreement
contains customary representations and warranties from both the Company and CapStar, and each party has agreed to customary covenants,
including, among others, covenants relating to the conduct of its business during the interim period between the execution of the Merger
Agreement and the Effective Time. CapStar has agreed to call a meeting of its shareholders to consider a proposal to approve the Merger
Agreement and the transactions contemplated thereby (&#8220;CapStar Shareholder Approval&#8221;) and, subject to certain exceptions, for
the board of directors of CapStar to recommend that its shareholders vote in favor of such approvals. CapStar has also agreed to customary
non-solicitation obligations relating to alternative acquisition proposals. CapStar and the Company have also agreed to use their reasonable
best efforts to prepare and file all applications, notices and other documents to obtain all necessary consents and approvals for consummation
of the transactions contemplated by the Merger Agreement.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.6pt 0pt 0; text-align: justify; background-color: white">The completion
of the Merger is subject to customary conditions, including (1)&#160;receipt of CapStar Shareholder Approval, (2)&#160;the admission for
listing on the Nasdaq Stock Exchange of the shares of Company Common Stock to be issued in the Merger, (3)&#160;receipt of required regulatory
approvals, (4)&#160;effectiveness of the registration statement on Form S-4 for Company Common Stock to be issued in the Merger, and (5)&#160;the
absence of any order, injunction, decree or other legal restraint preventing or making illegal the completion of the Merger, the Bank
Merger or any of the other transactions contemplated by the Merger Agreement.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.6pt 0pt 0; text-align: justify; background-color: white">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.6pt 0pt 0; text-align: justify; background-color: white">Each party&#8217;s
obligation to complete the Merger is also subject to certain additional customary conditions, including (1)&#160; the accuracy of the
representations and warranties of the other party, (2)&#160;performance in all material respects by the other party of its obligations
under the Merger Agreement, (3) absence of a material adverse effect on the other party and (4)&#160;receipt by such party of an opinion
from its counsel to the effect that the Merger will qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a)
of the Internal Revenue Code of 1986, as amended. Additionally, the Company&#8217;s obligation to close is subject to CapStar&#8217;s
adjusted tangible shareholder&#8217;s equity as of the month-end prior to five business days before the closing date exceeding a specified
minimum value.</p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">The Merger
Agreement provides certain termination rights for both the Company and CapStar and further provides that a termination fee of
$11,250,000 will be payable by CapStar in the event of a termination of the Merger Agreement under certain limited circumstances
following CapStar&#8217;s receipt of a bona fide acquisition proposal, including in the event that CapStar&#8217;s board of
directors withdraws or adversely modifies its recommendation that its shareholders vote in favor of the Merger Agreement.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.6pt 0pt 0; text-align: justify; background-color: white">The representations,
warranties and covenants of each party set forth in the Merger Agreement have been made only for purposes of, and were and are solely
for the benefit of the parties to, the Merger Agreement; may be subject to limitations agreed upon by the contracting parties, including
being qualified by confidential disclosures made for the purposes of allocating contractual risk between the parties to the Merger Agreement
instead of establishing these matters as facts; and may be subject to standards of materiality applicable to the contracting parties that
differ from those applicable to investors. Accordingly, the representations and warranties may not describe the actual state of affairs
at the date they were made or at any other time, and investors should not rely on them as statements of fact. In addition, such representations
and warranties (1)&#160;will not survive consummation of the Merger and (2)&#160;were made only as of the date of the Merger Agreement
or such other date as is specified in the Merger Agreement. Moreover, information concerning the subject matter of the representations
and warranties may change after the date of the Merger Agreement, which subsequent information may or may not be fully reflected in the
parties&#8217; public disclosures. Accordingly, the Merger Agreement is included with this filing only to provide investors with information
regarding the terms of the Merger Agreement, and not to provide investors with any other factual information regarding the Company or
CapStar, their respective affiliates or their respective businesses. The Merger Agreement should not be read alone, but should instead
be read in conjunction with the other information regarding the Company, CapStar, their respective affiliates or their respective businesses,
the Merger Agreement and the Merger that will be contained in, or incorporated by reference into, the Registration Statement on Form S-4
that will include a prospectus of the Company and a proxy statement of CapStar , as well as in the Annual Reports on Form 10-K, Quarterly
Reports on Form 10-Q, Current Reports on Form 8-K and other filings that each of the Company and CapStar makes with the Securities and
Exchange Commission (&#8220;SEC&#8221;).</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">The foregoing description
of the Merger Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the Merger Agreement,
which is attached hereto as Exhibit&#160;2.1 and is incorporated herein by reference.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><b>Item 8.01</b> <b>Other Events.</b></p>


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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.6pt 0pt 0; text-align: justify; background-color: white">Concurrently
with the execution of the Merger Agreement, each of CapStar&#8217;s directors and an executive officer entered into a Shareholder Voting
Agreement (each, a &#8220;Voting Agreement&#8221;) with the Company, pursuant to which the directors and such executive officer, in their
capacity as shareholders of CapStar, have agreed, among other things, to vote their shares of CapStar Common Stock at CapStar&#8217;s
special shareholder meeting in favor of approval of the Merger Agreement and the Merger. The foregoing description of the Voting Agreements
does not purport to be complete and is qualified in its entirety by reference to the full text of the form of Voting Agreement, which
is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><b>FORWARD-LOOKING STATEMENTS</b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">This Current Report on
Form&#160;8-K contains &#8220;forward-looking statements&#8221; within the meaning of the safe harbor provisions of the U.S. Private Securities
Litigation Reform Act of 1995, Section&#160;27A of the Securities Act of 1933, as amended, and Section&#160;21E of the Securities Exchange
Act of 1934, as amended. In general, forward-looking statements can be identified through use of words such as &#8220;may,&#8221; &#8220;believe,&#8221;
&#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;plan,&#8221; &#8220;estimate,&#8221;
&#8220;predict,&#8221; &#8220;continue&#8221; and &#8220;potential&#8221; or the negative of these terms or other comparable terminology,
and include statements related to the expected timing, completion, financial benefits, and other effects of the proposed Merger. Forward-looking
statements are not historical facts and represent management&#8217;s beliefs, based upon information available at the time the statements
are made, with regard to the matters addressed&#894; they are not guarantees of future performance.&#160;<span style="background-color: white">Actual
results may prove to be materially different from the results expressed or implied by the forward-looking statements.&#160;</span>Forward-looking
statements are subject to numerous assumptions, risks and uncertainties that change over time and could cause actual results or financial
conditions to differ materially from those expressed in or implied by such statements.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">Factors that could cause
or contribute to such differences include, but are not limited to, (1)&#160;expected cost savings, synergies and other financial benefits
from the Merger not being realized within the expected time frames and costs or difficulties relating to integration matters being greater
than expected, (2)&#160;the ability of CapStar to obtain the necessary approval by its shareholders, (3)&#160;the ability of the Company
and CapStar to obtain required governmental approvals of the Merger, and (4)&#160;the failure of the closing conditions in the definitive
merger agreement to be satisfied, or any unexpected delay in closing the Merger. Further information regarding additional factors that
could affect the forward-looking statements can be found in the cautionary language included under the headings &#8220;Forward-Looking
Statements&#8221; (in the case of the Company), &#8220;Cautionary Note Regarding Forward-Looking Statements&#8221; (in the case of CapStar),
and &#8220;Risk Factors&#8221; in the Company&#8217;s and CapStar&#8217;s Annual Reports on Form&#160;10-K for the year ended December&#160;31,
2022, and other documents subsequently filed by the Company or CapStar with the SEC.</p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><span style="background-color: white"><b>ADDITIONAL
INFORMATION AND WHERE TO FIND IT</b></span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">In connection with the
proposed Merger, the Company will file with the SEC a Registration Statement on Form&#160;S-4 that will include a Proxy Statement of CapStar
and a Prospectus of the Company, as well as other relevant documents concerning the proposed transaction. INVESTORS AND SECURITY HOLDERS,
PRIOR TO MAKING ANY INVESTMENT OR VOTING DECISION, ARE URGED TO READ THE REGISTRATION STATEMENT AND PROXY STATEMENT/PROSPECTUS WHEN IT
BECOMES AVAILABLE (AND ANY OTHER DOCUMENTS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION IN CONNECTION WITH THE MERGER OR INCORPORATED
BY REFERENCE INTO THE PROXY STATEMENT/PROSPECTUS) BECAUSE SUCH DOCUMENTS WILL CONTAIN IMPORTANT INFORMATION REGARDING THE PROPOSED MERGER.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">Investors and security
holders may obtain free copies of these documents and other documents filed with the SEC on its website at www.sec.gov. Investors and
security holders may also obtain free copies of the documents filed with the SEC by (i)&#160;the Company on its website at https://ir.oldnational.com/financials/sec-filings/default.aspx.
and (ii)&#160;CapStar on its website at https://ir.capstarbank.com/financial-information/sec-filings.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">This communication does
not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval&#160;<span style="background-color: white">nor
shall there be any sale of securities in any jurisdiction in which such offer, solicitation, or sale would be unlawful prior to registration
or qualification under the securities laws of such jurisdiction</span>.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><span style="background-color: white"><b>PARTICIPANTS
IN THE SOLICITATION</b></span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">The Company, CapStar
and certain of their directors and executive officers may be deemed participants in the solicitation of proxies from shareholders of CapStar
in connection with the proposed Merger. Information regarding the directors and executive officers of the Company and CapStar and other
persons who may be deemed participants in the solicitation of the shareholders of CapStar in connection with the Merger will be included
in the proxy statement/prospectus for CapStar&#8217;s special meeting of shareholders, which will be filed by the Company and CapStar
with the SEC. Information about the directors and officers of the Company and their ownership of the Company&#8217;s common stock can
also be found in the Company&#8217;s definitive proxy statement in connection with its 2023 annual meeting of shareholders, as filed with
the SEC on March&#160;30, 2023, and other documents subsequently filed by the Company with the SEC. Additional information regarding the
interests of such participants will be included in the proxy statement/prospectus and other relevant documents regarding the Merger filed
with the SEC when they become available.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 9.01 Financial Statements and Exhibits.</b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>(d)&#160;Exhibits.</b></p>

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

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    <td style="width: 2%">&#160;</td>
    <td style="width: 88%"><b><span style="text-decoration: underline">Description</span></b></td>
    </tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
    <td><a href="tm2329233d4_ex2-1.htm" style="-sec-extract: exhibit">2.1*</a></td>
    <td>&#160;</td>
    <td><a href="tm2329233d4_ex2-1.htm" style="-sec-extract: exhibit">Agreement and Plan of Merger, dated as of October&#160;26, 2023, by and between Old National Bancorp and CapStar Financial Holdings,&#160;Inc.</a></td>
    </tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>&#160;</td>
    </tr>
  <tr style="vertical-align: top">
    <td><a href="tm2329233d4_ex99-1.htm" style="-sec-extract: exhibit"><span style="background-color: white">99.1</span></a></td>
    <td>&#160;</td>
    <td><a href="tm2329233d4_ex99-1.htm" style="-sec-extract: exhibit"><span>Form&#160;of Shareholder Voting Agreement</span></a></td>
    </tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>&#160;</td>
    </tr>
  <tr style="vertical-align: top">
    <td>104</td>
    <td>&#160;</td>
    <td>Cover Page&#160;Interactive Data File (embedded within the Inline XBRL document).</td>
    </tr>
  </table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">* Schedules have been omitted pursuant to Item 601(a)(5)&#160;of Regulation
S-K.</p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SIGNATURE</b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify">Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Date: October&#160;31, 2023</p>

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

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  <tr style="vertical-align: top">
    <td style="text-align: center">&#160;</td>
    <td colspan="2"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OLD NATIONAL BANCORP</b></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center">&#160;</td>
    <td colspan="2">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td style="width: 50%"></td>
    <td style="width: 4%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</span></td>
    <td style="border-bottom: black 1pt solid; width: 46%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
Nicholas J. Chulos</span></td>
    </tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>Nicholas J. Chulos</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>Executive Vice President, Chief Legal Officer and Corporate Secretary</td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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

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<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>tm2329233d4_ex2-1.htm
<DESCRIPTION>EXHIBIT 2.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<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: right"><B>Exhibit 2.1</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: right"><FONT>EXECUTION
VERSION</FONT></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>AGREEMENT
AND PLAN OF MERGER</B></FONT></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><BR>
by and between</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"><FONT STYLE="text-transform: uppercase"><B><BR>
CapStar Financial Holdings,&nbsp;Inc.,</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>and</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"><FONT STYLE="text-transform: uppercase"><B><BR>
Old National Bancorp</B></FONT></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"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 3pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Dated as of October&nbsp;26, 2023</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"></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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"><FONT STYLE="text-transform: uppercase"><B>Table
of Contents</B></FONT></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: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right"><B>Page</B></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">Article I THE MERGER</FONT> </TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.1</FONT></TD>
    <TD STYLE="width: 82%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Merger</FONT></TD>
    <TD STYLE="width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effective Time</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effects of the Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conversion of Company Common
    Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Company Equity
    Awards</FONT></TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Parent Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Articles of Incorporation
    of Surviving Corporation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bylaws of Surviving Corporation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">Article II EXCHANGE
    OF SHARES</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Parent to Make Merger Consideration
    Available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange of Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">Article III
    REPRESENTATIONS AND WARRANTIES OF COMPANY</FONT></TD>
    <TD STYLE="text-align: right">9</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes
    or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employees and Employee
    Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Applicable
    Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Contracts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreements with Regulatory
    Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Management Instruments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Securities and
    Commodities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Related Party Transactions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">State Takeover Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.22</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reorganization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></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 1in; text-indent: -1in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.23</FONT> <FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD>Opinion of Financial Advisor</TD>
    <TD STYLE="text-align: right">25</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 10pt">3.24</FONT></TD>
    <TD STYLE="width: 82%"><FONT STYLE="font-size: 10pt">Company Information</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.25</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Loan Portfolio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.26</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.27</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Information Security</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.28</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Trust Business</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.29</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Mortgage Banking Activities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.30</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">Article IV REPRESENTATIONS
    AND WARRANTIES OF PARENT</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Corporate Organization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Capitalization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Authority; No Violation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Consents and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">33</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Legal Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">33</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Agreements with Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">35</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Reorganization</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">35</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Parent Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">35</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.14</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase">Article V COVENANTS RELATING TO CONDUCT OF BUSINESS</FONT> </TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conduct of Business Prior to the Effective Time</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Company Forbearances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Parent Forbearances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase">Article VI ADDITIONAL AGREEMENTS</FONT> </TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Regulatory Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Access to Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Approvals of Company Shareholders</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">43</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Legal Conditions to Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">44</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Stock Exchange Listing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">44</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Employee Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">44</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Indemnification; Directors<FONT STYLE="font-family: Times New Roman, Times, Serif">&rsquo;</FONT> and Officers<FONT STYLE="font-family: Times New Roman, Times, Serif">&rsquo;</FONT> Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">46</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Additional Agreements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">47</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Dividends</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">47</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Advice of Changes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">48</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Acquisition Proposals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">48</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Public Announcements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">49</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Change of Method</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">50</FONT></TD></TR>
  </TABLE>

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

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 10pt">6.14</FONT></TD>
    <TD STYLE="width: 82%"><FONT STYLE="font-size: 10pt">Takeover Statutes</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.15</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Exemption from Liability under Section 16(b)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.16</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Shareholder Litigation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.17</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Assumption of Company Debt</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.18</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Transfer Agent Certificate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.19</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Certain Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.20</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">280G Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase">Article VII CONDITIONS PRECEDENT</FONT> </TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase">51</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">7.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conditions to Each Party&rsquo;s Obligation to Effect the Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">7.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conditions to Obligations of Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">52</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">7.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conditions to Obligations of the Company</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">54</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase">Article VIII TERMINATION AND AMENDMENT</FONT> </TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase">55</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">8.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Termination</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">55</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">8.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Effect of Termination</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">56</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt; text-transform: uppercase">Article IX GENERAL PROVISIONS</FONT> </TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase">57</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Nonsurvival of Representations, Warranties and Agreements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">57</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Amendment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Extension; Waiver</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">59</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">60</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">60</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">60</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">61</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">61</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">61</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">61</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.14</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Confidential Supervisory Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">62</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.15</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Delivery by Electronic Transmission</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">62</FONT></TD></TR>
  </TABLE>

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

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

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Annex A &ndash; List of Directors Entering into Voting Agreement</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Annex B &ndash; Form&nbsp;of Voting Agreement</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"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>INDEX
OF DEFINED TERMS</B></FONT></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: bottom">
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt"><U>Term</U></FONT></TD>
    <TD STYLE="width: 8%; text-align: right"><U>Section</U></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: right">9.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Acceptable Confidentiality Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Acquisition Proposal</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.11(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Adjusted Shareholder&rsquo;s Equity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">7.2(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Merger Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Bank Merger Certificates</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">BHC Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Blue Sky</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">business day</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Certificate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.5(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.9(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Closing Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Code</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company 401(k) Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.6(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Bylaws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Charter</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.5(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Contract</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.13(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Disclosure Schedule</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Article III</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Equity Award</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.6(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Indemnified Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.7(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Insiders</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.15</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Meeting</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Option</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Owned Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company PSU Award</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.6(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Qualified Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.11(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Real Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.14</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.5(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Restricted Stock Award</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.6(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company RSU Award</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.6(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Company Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Confidentiality Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.2(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Continuing Employees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.6(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Controlled Group Liability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.11(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">dollar</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt">Effective Time</FONT></TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">1.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.16</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">ERISA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.11(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.6(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Exchange Agent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Exchange Fund</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Exchange Ratio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.5(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">FDIC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">GAAP</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">IBCL</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Indiana Articles of Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Indiana Secretary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.19</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">IRS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.11(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">knowledge of Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">knowledge of the Company</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Liens</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.2(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.25(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">made available</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Materially Burdensome Regulatory Condition</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Merger Consideration</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.5(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Minimum Adjusted Shareholder&rsquo;s Equity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">7.2(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.11(f)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Multiple Employer Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.11(f)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Net Share</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.6(a)(i)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">New Certificates</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">New Plans</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.6(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Notifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent 401(k) Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.6(d)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Articles</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Bank</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Bylaws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4.1(a), 1.9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Certificate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.5(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Common Stock Closing Price</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2.2(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Disclosure Schedule</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Article IV</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Preferred Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4.11</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4.5(b)</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 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: bottom">
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt">Parent Restricted Stock Award</FONT></TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-size: 10pt">1.6(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent RSU Award</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.6(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Parent Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4.1(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Per Share Cash Equivalent Consideration</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.6(a)(ii)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">person</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Premium Cap</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.7(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Proxy Statement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.5(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Representatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.11(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Requisite Company Vote</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.3(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Requisite Regulatory Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.1(e)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">S-4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Sarbanes-Oxley Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.5(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">SEC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Securities Act</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.5(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">SRO</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.5(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.1(a)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Superior Proposal</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Surviving Corporation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Takeover Statutes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Tax</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.10(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Tax Return</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.10(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Taxes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3.10(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">TBCA</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Tennessee Articles of Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Tennessee Secretary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Termination Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8.1(c)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Termination Fee</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8.2(b)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">the date hereof</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">transactions contemplated by this Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">transactions contemplated hereby</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Voting Agreements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
  </TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>AGREEMENT
AND PLAN OF MERGER</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">AGREEMENT AND PLAN OF MERGER, dated as of October&nbsp;26,
2023 (this &ldquo;<U>Agreement</U>&rdquo;), by and between CapStar Financial Holdings,&nbsp;Inc., a Tennessee corporation (the &ldquo;<U>Company</U>&rdquo;)
and Old National Bancorp, an Indiana corporation (&ldquo;<U>Parent</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>W I
T N E S S E T H:</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">WHEREAS, the Board of Directors of the Company
has unanimously (i)&nbsp;determined that this Agreement and the transactions contemplated hereby, including the Merger, are in the best
interests of the Company and the Company&rsquo;s shareholders, and declared that this Agreement is advisable, and (ii)&nbsp;approved
the execution, delivery and performance by the Company of this Agreement and the consummation of the transactions contemplated hereby,
including the Merger;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">WHEREAS, the Board of Directors of Parent has
unanimously (i)&nbsp;determined that this Agreement and the transactions contemplated hereby, including the Merger, are in the best interests
of Parent and Parent&rsquo;s shareholders, and (ii)&nbsp;approved the execution, delivery and performance by Parent of this Agreement
and the consummation of the transactions contemplated hereby, including the Merger;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">WHEREAS, the Board of Directors of the Company,
subject to the terms of this Agreement, has resolved to recommend that the Company&rsquo;s shareholders approve this Agreement and to
submit this Agreement to the Company&rsquo;s shareholders for approval;</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">WHEREAS, for U.S. federal income tax purposes,
it is intended that the Merger shall qualify as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a) of the
Internal Revenue Code of 1986, as amended (the &ldquo;<U>Code</U>&rdquo;), and this Agreement is intended to be and is adopted as a plan
of reorganization for purposes of Sections 354 and 361 of the Code;</P>

<P STYLE="font: 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">WHEREAS, as an inducement to and condition of
Parent&rsquo;s willingness to enter into this Agreement, each of the directors and an executive officer of the Company listed on <U>Annex
A</U> is concurrently entering into voting agreements, the form of which is attached hereto as <U>Annex B</U> (the &ldquo;<U>Voting Agreements</U>&rdquo;),
pursuant to which, among other things, such persons have agreed to vote all of their chares of Company Common Stock in favor of approval
of this Agreement, the Merger, and any other matters required to be approved or adopted in order to effect the Merger and the other transactions
contemplated hereby; 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: 0.5in">WHEREAS, the parties hereto desire to make certain
representations, warranties and agreements in connection with the Merger and also to prescribe certain conditions to the Merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">NOW, THEREFORE, in consideration of the mutual
covenants, representations, warranties and agreements contained herein, and intending to be legally bound hereby, the parties hereto
agree as follows:</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"></P>

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<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"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;I</B></FONT></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"><FONT STYLE="text-transform: uppercase"><B>THE
MERGER</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>The
Merger</U>. Subject to the terms and conditions of this Agreement, in accordance with the Tennessee Business Corporation Act (the &ldquo;<U>TBCA</U>&rdquo;)
and the Indiana Business Corporation Law (the &ldquo;<U>IBCL</U>&rdquo;), at the Effective Time, the Company shall merge with
and into Parent (the &ldquo;<U>Merger</U>&rdquo;). Parent shall be the surviving corporation in the Merger (hereinafter referred to in
such capacity as the &ldquo;<U>Surviving Corporation</U>&rdquo;), and shall continue its corporate existence under the laws of the State
of Indiana. Upon consummation of the Merger, the separate corporate existence of the Company shall terminate.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Closing</U>.
Subject to the terms and conditions of this Agreement, the closing of the Merger (the &ldquo;<U>Closing</U>&rdquo;) will occur by electronic
exchange of documents at 8:00 a.m.&nbsp;Evansville,&nbsp;Indiana time, on a date which shall be no later than three (3)&nbsp;business
days after the satisfaction or waiver (subject to applicable law) of the latest to occur of the conditions set forth in <U>Article&nbsp;VII
</U>hereof (other than those conditions that by their nature can be satisfied only at the Closing, but subject to the satisfaction or
waiver of all conditions at the Closing), unless another date, time or place is agreed to in writing by the Company and Parent. The date
on which the Closing occurs is referred to as the &ldquo;<U>Closing Date</U>.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Effective
Time</U>. The Merger shall become effective as set forth in the articles of merger with respect to the Merger (the &ldquo;<U>Tennessee
Articles of Merger</U>&rdquo;) to be filed with the Secretary of State of the State of Tennessee (the &ldquo;<U>Tennessee Secretary</U>&rdquo;)
on the Closing Date and the articles of merger to be filed with the Secretary of State of the State of Indiana (the &ldquo;<U>Indiana
Secretary</U>&rdquo;). The term &ldquo;<U>Effective Time</U>&rdquo; shall be the date and time at which the Articles of Merger becomes
effective, as set forth in the Tennessee Articles of Merger and the Indiana Articles of Merger.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Effects
of the Merger</U>. At and after the Effective Time, the Merger shall have the effects set forth in the applicable provisions of the TBCA
and the IBCL.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conversion
of Company Common Stock</U>. At the Effective Time, by virtue of the Merger and without any action on the part of Parent or the Company
or the holder of any of the following securities:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Subject
to <U>Section&nbsp;2.2(e)</U>, each share of common stock, $1.00 par value (the &ldquo;<U>Company Common Stock</U>&rdquo;), of the Company
issued and outstanding immediately prior to the Effective Time, except for shares of Company Common Stock owned by the Company as treasury
stock or owned by the Company or Parent (in each case other than shares (x)&nbsp;held in trust accounts, managed accounts, mutual funds
and the like, or otherwise held in a fiduciary or agency capacity that are beneficially owned by third parties, or (y)&nbsp;held, directly
or indirectly, as a result of debts previously contracted), shall be converted into 1.155 shares (the &ldquo;<U>Exchange Ratio</U>&rdquo;)
of common stock, no par value per share, of Parent (the &ldquo;<U>Parent Common Stock</U>&rdquo;) (such consideration, the &ldquo;<U>Merger
Consideration</U>&rdquo;).</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">All
of the shares of Company Common Stock converted into the right to receive the Merger Consideration pursuant to this <U>Article&nbsp;I
</U>shall no longer be outstanding and shall automatically be cancelled and shall cease to exist as of the Effective Time, and each certificate
(each, a &ldquo;<U>Certificate</U>,&rdquo; it being understood that any reference herein to &ldquo;Certificate&rdquo; shall be deemed
to include reference to book-entry account statements relating to the ownership of shares of Company Common Stock) previously representing
any such shares of Company Common Stock shall thereafter represent only the right to receive (i)&nbsp;the Merger Consideration, including
a certificate (it being understood that any reference herein to a &ldquo;certificate&rdquo; representing shares of Parent Common Stock
shall be deemed to include, unless the context otherwise requires, reference to book-entry account statements relating to the ownership
of shares of Parent Common Stock) representing the number of whole shares of Parent Common Stock which such shares of Company Common
Stock represented by such Certificate have been converted into the right to receive pursuant to <U>Section&nbsp;1.5(a)</U>, (ii)&nbsp;cash
in lieu of fractional shares which the shares of Company Common Stock represented by such Certificate have been converted into the right
to receive pursuant to <U>Section&nbsp;1.5(a)</U>&nbsp;and <U>Section&nbsp;2.2(e)</U>, without any interest thereon, and (iii)&nbsp;any
dividends or distributions which the holder thereof has the right to receive pursuant to <U>Section&nbsp;2.2</U>. Certificates previously
representing shares of Company Common Stock shall be exchanged for the Merger Consideration and the other amounts specified in the immediately
preceding sentence upon the surrender of such Certificates in accordance with <U>Section&nbsp;2.2</U>, without any interest thereon.
If, prior to the Effective Time, the outstanding shares of Parent Common Stock or Company Common Stock shall have been increased, decreased,
changed into or exchanged for a different number or kind of shares or securities as a result of a reorganization, recapitalization, reclassification,
stock dividend, stock split, reverse stock split, or other similar change in capitalization, or there shall be any extraordinary dividend
or distribution, an appropriate and proportionate adjustment shall be made to the Merger Consideration; <U>provided</U> that nothing
contained in this sentence shall be construed to permit the Company or Parent to take any action with respect to the outstanding shares
of Parent Common Stock or Company Common Stock, as applicable, that is expressly prohibited by the terms of this Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Notwithstanding
anything in this Agreement to the contrary, at the Effective Time, all shares of Company Common Stock that are owned by the Company as
treasury stock or owned by the Company or Parent (in each case other than shares (i)&nbsp;held in trust accounts, managed accounts, mutual
funds and the like, or otherwise held in a fiduciary or agency capacity that are beneficially owned by third parties, or (ii)&nbsp;held,
directly or indirectly, as a result of debts previously contracted) shall be cancelled and cease to exist and no Merger Consideration
shall be delivered or exchanged therefor.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Treatment
of Company Equity Awards</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">At
the Effective Time, each option to purchase shares of Company Common Stock (a &ldquo;<U>Company Option</U>&rdquo;) that is outstanding
immediately prior to the Effective Time, whether vested or unvested, shall, automatically, and without any required action on the part
of the holder thereof, be cancelled, with the holder of such Company Option becoming entitled to receive, in full satisfaction of the
rights of the holder with respect thereto, the Merger Consideration in respect of each Net Share (as defined below) subject to each Company
Option, less applicable Tax withholding, which shall be delivered as soon as reasonably practicable following the Closing Date and in
no event later than five (5)&nbsp;days following the Closing Date. For purposes of this <U>Section&nbsp;1.6(a)</U>:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Net
Share</U>&rdquo; means, with respect to a Company Option, the quotient obtained by dividing (A)&nbsp;the product of (i)&nbsp;the excess,
if any, of the Per Share Cash Equivalent Consideration over the per share exercise price of such Company Option, multiplied by (ii)&nbsp;the
number of shares of Company Common Stock subject to such Company Option immediately prior to the Effective Time, by (B)&nbsp;the Per
Share Cash Equivalent Consideration.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Per
Share Cash Equivalent Consideration</U>&rdquo; means the product (rounded to the nearest cent) obtained by multiplying (A)&nbsp;the Exchange
Ratio by (B)&nbsp;Parent Common Stock Closing Price.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">At
the Effective Time, each award of a share of Company Common Stock subject to vesting, repurchase or other lapse restriction (a &ldquo;<U>Company
Restricted Stock Award</U>&rdquo;) held by a non-employee director of the Company, whether vested or unvested, that is outstanding as
of immediately prior to the Effective Time shall fully vest and be cancelled and converted automatically (without any further action
on part of the holder thereto) into the right to receive the Merger Consideration in respect of each share of Company Common Stock underlying
such Company Restricted Stock Award. Parent shall issue the consideration described in this <U>Section&nbsp;1.6</U> (together with any
accrued but unpaid dividends) corresponding to the Company Restricted Stock Awards that vest in accordance with this <U>Section&nbsp;1.6(b)</U>,
less applicable Tax withholdings, within five (5)&nbsp;days following the Closing Date.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as provided in <U>Section&nbsp;1.6(b)</U>&nbsp;or as otherwise agreed between Company and Parent, at the Effective Time, each Company
Restricted Stock Award, whether vested or unvested, that is outstanding as of immediately prior to the Effective Time shall be assumed
and converted into a restricted stock award (each, a &ldquo;<U>Parent Restricted Stock Award</U>&rdquo;) with respect to a number of
shares of Parent Common Stock determined by multiplying (i)&nbsp;the number of shares of Company Common Stock underlying the Company
Restricted Stock Award immediately prior to the Effective Time by (ii)&nbsp;the Exchange Ratio, rounded up to the nearest whole share.
Each Parent Restricted Stock Award shall continue to have, and shall be subject to, the same terms and conditions (including vesting
and payment schedule, after giving effect to any &ldquo;change in control&rdquo; post-termination protections under the applicable plan
or award agreement) as applied to the corresponding Company Restricted Stock Award immediately prior to the Effective Time.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as otherwise agreed between Company and Parent, at the Effective Time, each restricted stock unit award in respect of shares of Company
Common Stock other than a Company PSU Award (a &ldquo;<U>Company RSU Award</U>&rdquo;) that is outstanding as of immediately prior to
the Effective Time shall be assumed and converted into a restricted stock award (each, a &ldquo;<U>Parent RSU Award</U>&rdquo;) with
respect to a number of shares of Parent Common Stock determined by multiplying (i)&nbsp;the number of shares of Company Common Stock
underlying the Company RSU Award immediately prior to the Effective Time by (ii)&nbsp;the Exchange Ratio, rounded up to the nearest whole
share. Each Parent RSU Award shall continue to have, and shall be subject to, the same terms and conditions (including vesting and payment
schedule, after giving effect to any &ldquo;change in control&rdquo; post-termination protections under the applicable plan or award
agreement) as applied to the corresponding Company RSU Award immediately prior to the Effective Time.</FONT></P>

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

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">At
the Effective Time, each restricted stock unit award in respect of shares of Company Common Stock subject to performance-based vesting
conditions (a &ldquo;<U>Company PSU Award</U>&rdquo; and, together with Company Options, Company Restricted Stock Awards and Company
RSU Awards, &ldquo;<U>Company Equity Awards</U>&rdquo;) that is outstanding as of immediately prior to the Effective Time shall fully
vest (with performance goals deemed achieved based on the greater of the target performance level and actual performance as determined
by the Board of Directors of the Company or its compensation committee) and shall be cancelled and converted automatically (without any
further action on part of the holder thereto) into the right to receive the Merger Consideration in respect of each share of Company
Common Stock underlying such Company PSU Award. Parent shall issue the consideration described in this <U>Section&nbsp;1.6(e)</U>, less
applicable Tax withholdings, within five (5)&nbsp;days following the Closing Date; <U>provided</U>, <U>however</U>, that, with respect
to any Company PSU Award that constitutes &ldquo;deferred compensation&rdquo; subject to Section&nbsp;409A of the Code, settlement or
payment of such award shall be made on the earliest permissible date that such delivery would not trigger a Tax or penalty under Section&nbsp;409A
of the Code.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">At
or prior to the Effective Time, the Company, the Board of Directors of the Company or its compensation committee, as applicable, shall
adopt resolutions approving the provisions of this <U>Section&nbsp;1.6</U>. Neither the Company Board of Directors nor its compensation
committee shall adopt resolutions or take other actions to accelerate the vesting of any Company Equity Awards, if such actions are in
its discretion. Upon the Effective Time, Parent shall file, or shall have on file, one or more appropriate registration statements (on
Form&nbsp;S-3 or Form&nbsp;S-8, or any successor or other appropriate forms), and shall maintain the effectiveness of such registration
statements, with respect to Parent Common Stock in respect of the Parent Restricted Stock Awards and Parent RSU Awards granted pursuant
to this <U>Section&nbsp;1.6</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Parent
Common Stock</U>. At and after the Effective Time, each share of Parent Common Stock issued and outstanding immediately prior to the
Effective Time shall remain an issued and outstanding share of common stock of Parent and shall not be affected by the Merger.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Articles
of Incorporation of Surviving Corporation</U>. At the Effective Time, the Fifth Amended and Restated Articles of Incorporation of Parent
(as amended) (the &ldquo;<U>Parent Certificate</U>&rdquo;), as in effect at the Effective Time, shall be the Articles of Incorporation
of the Surviving Corporation until thereafter amended in accordance with applicable law.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Bylaws
of Surviving Corporation</U>. At the Effective Time, the Amended and Restated Bylaws of Parent (as amended) (the &ldquo;<U>Parent Bylaws</U>&rdquo;),
as in effect immediately prior to the Effective Time, shall be the Bylaws of the Surviving Corporation until thereafter amended in accordance
with applicable law.</FONT></P>

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

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Bank
Merger</U>. Immediately following the Merger or at such later time as Parent may determine, CapStar Bank (&ldquo;<U>Company Bank</U>&rdquo;),
a Tennessee state-chartered bank and a wholly owned Subsidiary of the Company, will merge (the &ldquo;<U>Bank Merger</U>&rdquo;) with
and into Old National Bank, a national banking association bank and a wholly owned Subsidiary of Parent (&ldquo;<U>Parent Bank</U>&rdquo;).
Parent Bank shall be the surviving entity in the Bank Merger and, following the Bank Merger, the separate corporate existence of Company
Bank shall cease. The parties hereto agree that the Bank Merger shall become effective immediately after the Merger or at such later
time as Parent may determine. The Bank Merger shall be implemented pursuant to an agreement and plan of merger, in a form to be mutually
agreed upon by the parties (the &ldquo;<U>Bank Merger Agreement</U>,&rdquo;). The Company and Parent shall cause Company Bank and Parent
Bank to execute such certificates of merger and articles of merger and such other agreements, documents and certificates as are necessary
to make the Bank Merger effective (&ldquo;<U>Bank Merger Certificates</U>&rdquo;) immediately following the Merger or at such later time
as Parent may determine.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Tax
Consequences</U>. It is intended that the Merger shall qualify as a reorganization within the meaning of Section&nbsp;368(a)&nbsp;of
the Code, and this this Agreement is intended to be and is adopted as a plan of reorganization for the purposes of Sections 354 and 361
of the Code.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;II</B></FONT></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"><FONT STYLE="text-transform: uppercase"><B>EXCHANGE
OF SHARES</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Parent
to Make Merger Consideration Available</U>. At or prior to the Effective Time, Parent shall deposit, or shall cause to be deposited,
with an exchange agent designated by Parent and reasonably acceptable to the Company (the &ldquo;<U>Exchange Agent</U>&rdquo;), for
the benefit of the holders of Certificates, for exchange in accordance with this <U>Article&nbsp;II</U>, (i)&nbsp;certificates or,
at Parent&rsquo;s option, evidence of shares in book entry form (collectively, referred to herein as &ldquo;<U>New
Certificates</U>&rdquo;), representing the shares of Parent Common Stock to be issued to holders of Company Common Stock, and
(ii)&nbsp;cash in lieu of fractional shares (such cash and certificates for shares of Parent Common Stock, together with any
dividends or distributions with respect thereto, being hereinafter referred to as the &ldquo;<U>Exchange Fund</U>&rdquo;), to be
issued pursuant to <U>Section&nbsp;1.5</U> and paid pursuant to <U>Section&nbsp;2.2</U> in exchange for outstanding shares of
Company Common Stock.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Exchange
of Shares</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">As
promptly as practicable after the Effective Time, but in no event later than five (5)&nbsp;business days thereafter, Parent shall cause
the Exchange Agent to mail to each holder of record of one or more Certificates representing shares of Company Common Stock immediately
prior to the Effective Time that have been converted at the Effective Time into the right to receive the Merger Consideration pursuant
to <U>Article&nbsp;I</U>, a letter of transmittal (which shall specify that delivery shall be effected, and risk of loss and title to
the Certificates shall pass, only upon proper delivery of the Certificates to the Exchange Agent) and instructions for use in effecting
the surrender of the Certificates in exchange for the Merger Consideration, and any cash in lieu of fractional shares, which the shares
of Company Common Stock represented by such Certificate or Certificates shall have been converted into the right to receive pursuant
to this Agreement as well as any dividends or distributions to be paid pursuant to <U>Section&nbsp;2.2(b)</U>. Upon proper surrender
of a Certificate or Certificates for exchange and cancellation to the Exchange Agent, together with such properly completed letter of
transmittal, duly executed, the holder of such Certificate or Certificates shall be entitled to receive in exchange therefor, as applicable,
(i)&nbsp;a New Certificate representing that number of whole shares of Parent Common Stock to which such holder of Company Common Stock
shall have become entitled pursuant to the provisions of <U>Article&nbsp;I</U> and (ii)&nbsp;a check representing the amount of (A)&nbsp;any
cash in lieu of fractional shares which such holder has the right to receive in respect of the shares of Company Common Stock represented
by the Certificate or Certificates surrendered pursuant to the provisions of this <U>Article&nbsp;II</U>, and (B)&nbsp;any dividends
or distributions which the holder thereof has the right to receive pursuant to this <U>Section&nbsp;2.2</U>, and the Certificate or Certificates
so surrendered shall forthwith be cancelled. No interest will be paid or accrued on any cash in lieu of fractional shares or dividends
or distributions payable to holders of Certificates. Until surrendered as contemplated by this <U>Section&nbsp;2.2</U>, each Certificate
shall be deemed at any time after the Effective Time to represent only the right to receive, upon surrender, the Merger Consideration
and any cash in lieu of fractional shares or in respect of dividends or distributions as contemplated by this <U>Section&nbsp;2.2</U>.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">No
dividends or other distributions declared with respect to Parent Common Stock shall be paid to the holder of any unsurrendered Certificate
until the holder thereof shall surrender such Certificate in accordance with this <U>Article&nbsp;II</U>. After the surrender of a Certificate
in accordance with this <U>Article&nbsp;II</U>, the record holder thereof shall be entitled to receive any such dividends or other distributions,
without any interest thereon, which theretofore had become payable with respect to the whole shares of Parent Common Stock which the
shares of Company Common Stock represented by such Certificate have been converted into the right to receive.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
any New Certificate representing shares of Parent Common Stock is to be issued in a name other than that in which the Certificate or
Certificates surrendered in exchange therefor is or are registered, it shall be a condition of the issuance thereof that the Certificate
or Certificates so surrendered shall be properly endorsed (or accompanied by an appropriate instrument of transfer) and otherwise in
proper form for transfer, and that the person requesting such exchange shall pay to the Exchange Agent in advance any transfer or other
similar Taxes required by reason of the issuance of a certificate representing shares of Parent Common Stock in any name other than that
of the registered holder of the Certificate or Certificates surrendered, or required for any other reason, or shall establish to the
satisfaction of the Exchange Agent that such Tax has been paid or is not payable.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">After
the Effective Time, there shall be no transfers on the stock transfer books of the Company of the shares of Company Common Stock that
were issued and outstanding immediately prior to the Effective Time. If, after the Effective Time, Certificates representing such shares
are presented for transfer to the Exchange Agent, they shall be cancelled and exchanged for the Merger Consideration and cash in lieu
of fractional shares as provided in this <U>Article&nbsp;II</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Notwithstanding
anything to the contrary contained herein, no certificates or scrip representing fractional shares of Parent Common Stock shall be issued
upon the surrender for exchange of Certificates, no dividend or distribution with respect to Parent Common Stock shall be payable on
or with respect to any fractional share, and such fractional share interests shall not entitle the owner thereof to vote or to any other
rights of a shareholder of Parent. In lieu of the issuance of any such fractional share, Parent shall pay to each former shareholder
of the Company who otherwise would be entitled to receive such fractional share an amount in cash (rounded to the nearest cent) determined
by multiplying (i)&nbsp;the average of the closing-sale prices of Parent Common Stock on the Nasdaq Stock Exchange as reported by the
<I>Wall Street Journal</I> for the five (5)&nbsp;full trading days ending on the trading day immediately preceding the Closing Date (&ldquo;<U>Parent
Common Stock Closing Price</U>&rdquo;) by (ii)&nbsp;the fraction of a share (rounded to the nearest one-thousandth when expressed in
decimal form) of Parent Common Stock which such holder would otherwise be entitled to receive pursuant to <U>Section&nbsp;1.5</U>. The
parties acknowledge that payment of such cash consideration in lieu of issuing fractional shares is not separately bargained-for-consideration,
but merely represents a mechanical rounding off for the purposes of avoiding the expense and inconvenience that would otherwise be caused
by the issuance of such fractional shares.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Any
portion of the Exchange Fund that remains unclaimed by the shareholders of the Company for twelve (12) months after the Effective Time
shall be paid to Parent. Any former shareholder of the Company that has not theretofore complied with this <U>Article&nbsp;II</U> shall
thereafter look only to Parent for payment of the Merger Consideration, cash in lieu of fractional shares and any unpaid dividends and
distributions on the Parent Common Stock deliverable in respect of each former share of Company Common Stock such former shareholder
holds as determined pursuant to this Agreement, in each case, without any interest thereon. Notwithstanding the foregoing, none of Parent,
the Company, the Surviving Corporation, the Exchange Agent or any other person shall be liable to any former holder of shares of Company
Common Stock for any amount delivered in good faith to a public official pursuant to applicable abandoned property, escheat or similar
laws.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
of Parent and the Exchange Agent shall be entitled to deduct and withhold from any consideration otherwise payable pursuant to this Agreement
such amounts as it is required to deduct and withhold with respect to the making of such payment under the Code or any provision of state,
local or foreign Tax law. To the extent that amounts are so withheld by Parent or the Exchange Agent, as the case may be, such withheld
amounts (i)&nbsp;will be paid over by Parent or the Exchange Act to the appropriate governmental authority and (ii)&nbsp;will be treated
for all purposes of this Agreement as having been paid to the person in respect of which the deduction and withholding was made.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event any Certificate shall have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the person claiming
such Certificate to be lost, stolen or destroyed and, if required by Parent, the posting by such person of a bond in such amount as Parent
may determine is reasonably necessary as indemnity against any claim that may be made against it with respect to such Certificate, the
Exchange Agent will issue in exchange for such lost, stolen or destroyed Certificate the Merger Consideration, and any cash in lieu of
fractional shares and dividends or distributions deliverable in respect thereof pursuant to this Agreement.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;III</B></FONT></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"><FONT STYLE="text-transform: uppercase"><B>REPRESENTATIONS
AND WARRANTIES OF COMPANY</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Except (a)&nbsp;as disclosed in the disclosure
schedule delivered by the Company to Parent concurrently herewith (the &ldquo;<U>Company Disclosure Schedule</U>&rdquo;); <U>provided
</U>that (i)&nbsp;no such item is required to be set forth as an exception to a representation or warranty if its absence would not result
in the related representation or warranty being deemed untrue or incorrect, (ii)&nbsp;the mere inclusion of an item in the Company Disclosure
Schedule as an exception to a representation or warranty shall not be deemed an admission by the Company that such item represents a
material exception or fact, event or circumstance or that such item is reasonably likely to result in a Material Adverse Effect and (iii)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;III</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;III</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;III</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross-reference) from a reading of the disclosure
that such disclosure applies to such other sections, or (b)&nbsp;as disclosed in any Company Reports publicly filed with or furnished
to the SEC by the Company after January&nbsp;1, 2021 and prior to the date hereof (but disregarding risk factor disclosures contained
under the heading &ldquo;Risk Factors,&rdquo; or disclosures of risks set forth in any &ldquo;forward-looking statements&rdquo; disclaimer
or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature), the Company hereby represents
and warrants to Parent as follows:</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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Corporate
Organization</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company is a corporation duly organized, validly existing and in good standing under the laws of the State of Tennessee and is a bank
holding company duly registered with the Board of Governors of the Federal Reserve System (the &ldquo;<U>Federal Reserve Board</U>&rdquo;)
under the Bank Holding Company Act of 1956, as amended (the &ldquo;<U>BHC Act</U>&rdquo;). The Company has the corporate power and authority
necessary to own or lease all of its properties and assets and to carry on its business as it is now being conducted in all material
respects. The Company is duly licensed or qualified to do business in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned or leased by it makes such licensing, standing, qualification necessary,
except where the failure to be so licensed, in good standing, or qualified would not, either individually or in the aggregate, have a
Material Adverse Effect on the Company. As used in this Agreement, the term &ldquo;<U>Material Adverse Effect</U>&rdquo; means, with
respect to Parent, the Company or the Surviving Corporation, as the case may be, any effect, change, event, circumstance, condition,
occurrence or development that, either individually or in the aggregate, has had or would reasonably be expected to have a material adverse
effect on (i)&nbsp;the business, assets, results of operations or financial condition of such party and its Subsidiaries taken as a whole
(<U>provided</U> that, with respect to this clause (i), Material Adverse Effect shall not be deemed to include the impact of (A)&nbsp;changes,
after the date hereof, in U.S. generally accepted accounting principles (&ldquo;<U>GAAP</U>&rdquo;) or applicable regulatory accounting
requirements or interpretations thereof by courts or Governmental Entities, (B)&nbsp;changes, after the date hereof, in laws, rules&nbsp;or
regulations of general applicability to companies in the industries in which such party and its Subsidiaries operate, or interpretations
thereof by courts or Governmental Entities, (C)&nbsp;changes, after the date hereof, in global, national or regional political conditions
(including any outbreak, continuation or escalation of acts of war (whether or not declared), cyberattacks, sabotage, an act of terrorism,
military actions) or in economic or market (including equity, credit and debt markets, as well as changes in interest rates) conditions
affecting the financial services industry generally and not specifically relating to such party or its Subsidiaries, (D)&nbsp;changes
after the date hereof resulting from any hurricanes, earthquakes, tornados, floods or other natural disasters, man-made disasters or
any outbreak of any epidemic, pandemic or other public health event or emergencies (including any law, directive or guideline issued
by a Governmental Entity in response thereto), (E)&nbsp;public disclosure of the execution of this Agreement, public disclosure or (except
in the case of the representations contained in <U>Sections&nbsp;3.3(b)</U>, <U>3.4</U>, <U>3.11(j)</U>, <U>4.3(b)</U>&nbsp;and <U>4.4</U>)
consummation of the transactions contemplated hereby (including any effect on a party&rsquo;s relationships with its customers or employees),
actions expressly required or prohibited by this Agreement or actions taken with the prior written consent of Parent (in the case of
the Company) or the Company (in the case of Parent), (F)&nbsp;a decline in the trading price of a party&rsquo;s common stock or the failure,
in and of itself, to meet earnings projections or other financial forecasts (it being understood that the underlying cause of such decline
or failure may be taken into account in determining whether a Material Adverse Effect has occurred), or (G)&nbsp;the expenses incurred
by the Company or Parent in negotiating, documenting, effecting and consummating the transactions contemplated by this Agreement; except,
with respect to subclauses (A), (B), (C)&nbsp;or (D), to the extent that the effects of such change are materially disproportionately
adverse to the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries,
taken as a whole, as compared to other companies in the industry in which such party and its Subsidiaries operate) or (ii)&nbsp;the ability
of such party to consummate the transactions contemplated hereby. As used in this Agreement, the word &ldquo;<U>Subsidiary</U>&rdquo;
shall have the meaning ascribed to it in Section&nbsp;2(d)&nbsp;of the BHC Act. True and complete copies of the Charter of the Company
(the &ldquo;<U>Company Charter</U>&rdquo;) and Amended and Restated Bylaws of the Company (the &ldquo;<U>Company Bylaws</U>&rdquo;),
as in effect as of the date of this Agreement, have previously been made available by the Company to Parent.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, each Subsidiary of the Company
(a &ldquo;<U>Company Subsidiary</U>&rdquo;) (i)&nbsp;is duly organized and validly existing under the laws of its jurisdiction of organization,
(ii)&nbsp;is duly qualified to do business and, where such concept is recognized under applicable law, in good standing in all jurisdictions
(whether federal, state, local or foreign) where its ownership or leasing of property or the conduct of its business requires it to be
so qualified and (iii)&nbsp;has all requisite corporate power, authority, licenses, certificates and authorizations necessary to own
or lease its properties and assets and to carry on its business as now conducted. There are no restrictions on the ability of any Subsidiary
of the Company to pay dividends or distributions except, in the case of a Subsidiary that is a regulated entity, for restrictions on
dividends or distributions generally applicable to all such regulated entities. The deposit accounts of each Subsidiary of the Company
that is an insured depository institution are insured by the Federal Deposit Insurance Corporation (the &ldquo;<U>FDIC</U>&rdquo;) through
the Deposit Insurance Fund to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith
have been paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of the Company, threatened.
Section&nbsp;3.1(b)&nbsp;of the Company Disclosure Schedule sets forth a true and complete list of all Subsidiaries of the Company as
of the date hereof.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Capitalization</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
authorized capital stock of the Company consists of 35,000,000 shares of Company Common Stock and 5,000,000 shares of preferred stock,
$1.00 par value. As of October&nbsp;24, 2023, there are (i)&nbsp;20,699,632 shares of Company Common Stock issued and outstanding, which
number includes 33,486 shares of Company Common Stock granted in respect of outstanding Company Restricted Stock Awards, (ii)&nbsp;no
shares of Company preferred stock issued and outstanding, (iii)&nbsp;92,865 shares of Company Common Stock reserved for issuance upon
the exercise of outstanding Company Options, (iv)&nbsp;108,267 shares of Company Common Stock reserved for issuance upon the settlement
of outstanding Company RSU Awards, and (v)&nbsp;67,155 shares of Company Common Stock reserved for issuance upon the settlement of outstanding
Company PSU Awards (assuming satisfaction of performance goals in respect of incomplete performance periods at the target level). As
of the date of this Agreement, except as set forth in the immediately preceding sentence, and for changes since October&nbsp;24, 2023,
resulting from the exercise, vesting or settlement of any Company Equity Awards described in the immediately preceding sentence, there
are no other shares of capital stock or other voting securities of the Company issued, reserved for issuance or outstanding.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">All
of the issued and outstanding shares of Company Common Stock have been duly authorized and validly issued and are fully paid, nonassessable
and free of preemptive rights, with no personal liability attaching to the ownership thereof. There are no bonds, debentures, notes or
other indebtedness that have the right to vote on any matters on which shareholders of the Company may vote. Except as set forth on Section&nbsp;3.2(b)&nbsp;of
the Company Disclosure Schedule, no trust preferred or subordinated debt securities of the Company are issued or outstanding. Other than
Company Equity Awards issued prior to the date of this agreement, there are no outstanding subscriptions, options, warrants, puts, calls,
rights, exchangeable or convertible securities or other commitments or agreements obligating the Company to issue, transfer, sell, purchase,
redeem or otherwise acquire, any such securities, and there are no other equity based awards (including any cash awards where the amount
of payment is determined in whole or in part based on the price of any capital stock of the Company or any of its Subsidiaries) outstanding.
There are no voting trusts, shareholder agreements, proxies or other agreements in effect with respect to the voting or transfer of the
Company Common Stock or other equity interests of Company. No Subsidiary of the Company owns any shares of capital stock of the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company owns, directly or indirectly, all of the issued and outstanding shares of capital stock or other equity ownership interests of
each of the Company Subsidiaries, free and clear of any liens, pledges, charges, encumbrances, and security interests whatsoever (&ldquo;<U>Liens</U>&rdquo;),
and all of such shares or equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable (except,
with respect to bank Subsidiaries, as provided under 12 U.S.C. &sect; 55 or any comparable provision of applicable federal or state law)
and free of preemptive rights, with no personal liability attaching to the ownership thereof. No Company Subsidiary has or is bound by
any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling for the purchase
or issuance of any shares of capital stock or any other equity security of such Subsidiary or any securities representing the right to
purchase or otherwise receive any shares of capital stock or any other equity security of such Subsidiary.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Authority;
No Violation</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company has full corporate power and authority to execute and deliver this Agreement and, subject to the shareholder and other actions
described below, to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation
of the Merger and the Bank Merger have been duly and validly approved by the Board of Directors of the Company. The Board of Directors
of the Company has determined that the Merger, on the terms and conditions set forth in this Agreement, is in the best interests of the
Company and its shareholders and has directed that this Agreement and the transactions contemplated hereby be submitted to the Company&rsquo;s
shareholders for approval at a meeting of such shareholders and has adopted a resolution to the foregoing effect. Except for the approval
of this Agreement by the affirmative vote of the holders of a majority of the outstanding shares of Company Common Stock entitled to
vote on the Agreement (the &ldquo;<U>Requisite Company Vote</U>&rdquo;), and the adoption and approval of the Bank Merger Agreement by
the Company as its sole shareholder, no other corporate proceedings on the part of the Company are necessary to approve this Agreement
or to consummate the transactions contemplated hereby. This Agreement has been duly and validly executed and delivered by the Company
and (assuming due authorization, execution and delivery by Parent) constitutes a valid and binding obligation of the Company, enforceable
against the Company in accordance with its terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency,
moratorium, reorganization or similar laws affecting the rights of creditors generally and the availability of equitable remedies (the
 &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Neither
the execution and delivery of this Agreement by the Company nor the consummation by the Company of the transactions contemplated hereby,
including the Merger and the Bank Merger, nor compliance by the Company with any of the terms or provisions hereof, will (i)&nbsp;assuming
the Requisite Company Vote is obtained, violate any provision of the Company Charter or the Company Bylaws or (ii)&nbsp;assuming that
the consents and approvals referred to in <U>Section&nbsp;3.4</U> and the Requisite Company Vote are duly obtained, (x)&nbsp;violate
any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to the Company or any of its Subsidiaries
or any of their respective properties or assets or (y)&nbsp;violate, conflict with, result in a breach of any provision of or the loss
of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under,
result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the
creation of any Lien upon any of the respective properties or assets of the Company or any of its Subsidiaries under, any of the terms,
conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation
to which the Company or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound,
except (in the case of clause (ii)&nbsp;above) for such violations, conflicts, breaches or defaults which, either individually or in
the aggregate, would not have a Material Adverse Effect on the Company.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Consents
and Approvals</U>. Except for (a)&nbsp;the filing of any required applications, filings and notices, as applicable, with the Nasdaq Stock
Exchange, (b)&nbsp;the filing of any required applications, filings and notices, as applicable, with the Federal Reserve Board under
the BHC Act and approval of such applications, filings and notices, (c)&nbsp;the filing of any required applications, filings and notices,
as applicable, with the Office of the Comptroller of the Currency, and approval of such applications, filings, and notices, (d)&nbsp;the
filing of any required applications, filings, and notices, as applicable, with any governmental agency that has authority over the mortgage
production and sale business of the Company (inclusive of Fannie Mae and Freddie Mac), and approval of such applications, filings, and
notices, (e)&nbsp;the filing of applications, filings and notices, as applicable, with the Tennessee Department of Financial Institutions
in connection with the Merger and the Bank Merger and approval of such applications, filings and notices, (f)&nbsp;the filing of any
required applications, filings or notices with any state banking authorities listed on Section&nbsp;3.4 of the Company Disclosure Schedule
or Section&nbsp;4.4 of the Parent Disclosure Schedule and approval of such applications, filings and notices, (g)&nbsp;the filing with
the Securities and Exchange Commission (the &ldquo;<U>SEC</U>&rdquo;) of a proxy statement in definitive form relating to the meeting
of the Company&rsquo;s shareholders to be held in connection with this Agreement and the transactions contemplated hereby (including
any amendments or supplements thereto, the &ldquo;<U>Proxy Statement</U>&rdquo;), and of the registration statement on Form&nbsp;S-4
in which the Proxy Statement will be included as a prospectus, to be filed with the SEC by Parent in connection with the transactions
contemplated by this Agreement (the &ldquo;<U>S-4</U>&rdquo;) and declaration by the SEC of the effectiveness of the S-4, (h)&nbsp;the
filing of the Tennessee Articles of Merger with the Tennessee Secretary pursuant to the TBCA and the Indiana Articles of Merger with
the Indiana Secretary pursuant to the IBCL, and the filing of the Bank Merger Certificates, (i)&nbsp;such filings and approvals as are
required to be made or obtained under the securities or &ldquo;<U>Blue Sky</U>&rdquo; laws of various states in connection with the issuance
of the shares of Parent Common Stock pursuant to this Agreement and (j)&nbsp;the approval of the listing of such Parent Common Stock
on the Nasdaq Stock Exchange, no consents or approvals of or filings or registrations with any court, administrative agency or commission
or other governmental authority or instrumentality or SRO (each, a &ldquo;<U>Governmental Entity</U>&rdquo;) are necessary in connection
with (i)&nbsp;the execution and delivery by the Company of this Agreement or (ii)&nbsp;the consummation by the Company of the Merger
and the other transactions contemplated hereby (including the Bank Merger). As of the date hereof, the Company is not aware of any reason
why necessary regulatory approvals and consents will not be received.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Reports</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company and each of its Subsidiaries have timely filed or furnished all reports, registrations and statements, together with any amendments
required to be made with respect thereto, that they were required to file or furnish since January&nbsp;1, 2021 with (i)&nbsp;the Tennessee
Secretary of State, the Tennessee Department of Financial Institutions and any other state regulatory authority, (ii)&nbsp;the SEC, (iii)&nbsp;the
Federal Reserve Board, (iv)&nbsp;the FDIC, (v)&nbsp;any foreign regulatory authority and (vi)&nbsp;any self-regulatory organization (an
 &ldquo;<U>SRO</U>&rdquo;) ((i)&nbsp;&ndash; (vi), collectively, &ldquo;<U>Regulatory Agencies</U>&rdquo;), including, without limitation,
any report, registration or statement required to be filed or furnished pursuant to the laws, rules&nbsp;or regulations of the United
States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection
therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments, either individually
or in the aggregate, would not have a Material Adverse Effect on the Company. Except as set forth on Section&nbsp;3.5 of the Company
Disclosure Schedule and for normal examinations conducted by a Regulatory Agency in the ordinary course of business of the Company and
its Subsidiaries, (i)&nbsp;no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of the Company, investigation
into the business or operations of the Company or any of its Subsidiaries since January&nbsp;1, 2021, (ii)&nbsp;there is no unresolved
violation, criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections
of the Company or any of its Subsidiaries and (iii)&nbsp;there has been no formal or informal inquiries by, or disagreements or disputes
with, any Regulatory Agency with respect to the business, operations, policies or procedures of the Company or any of its Subsidiaries
since January&nbsp;1, 2021, in each case of clauses (i)&nbsp;through (iii), which would have, either individually or in the aggregate,
a Material Adverse Effect on the Company.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">An
accurate copy of each final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished
to the SEC by the Company since January&nbsp;1, 2021 pursuant to the Securities Act of 1933, as amended (the &ldquo;<U>Securities Act</U>&rdquo;),
or the Exchange Act (the &ldquo;<U>Company Reports</U>&rdquo;) has been made publicly available. No such Company Report, as of the date
thereof (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates of the relevant
meetings, respectively), contained any untrue statement of a material fact or omitted to state any material fact required to be stated
therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading,
except that information filed or furnished as of a later date (but before the date of this Agreement) shall be deemed to modify information
as of an earlier date. Since January&nbsp;1, 2021, as of their respective dates, all Company Reports filed or furnished under the Securities
Act and the Exchange Act complied in all material respects with the published rules&nbsp;and regulations of the SEC with respect thereto.
As of the date of this Agreement, no executive officer of the Company has failed in any respect to make the certifications required of
him or her under Section&nbsp;302 or 906 of the Sarbanes-Oxley Act of 2002 (the &ldquo;<U>Sarbanes-Oxley Act</U>&rdquo;). As of the date
of this Agreement, there are no outstanding comments from or unresolved issues raised by the SEC with respect to any of the Company Reports.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Financial
Statements</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
financial statements of the Company and its Subsidiaries included (or incorporated by reference) in the Company Reports (including the
related notes, where applicable) (i)&nbsp;have been prepared from, and are in accordance with, the books and records of the Company and
its Subsidiaries, (ii)&nbsp;fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders&rsquo;
equity and consolidated financial position of the Company and its Subsidiaries for the respective fiscal periods or as of the respective
dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii)&nbsp;complied,
as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published
rules&nbsp;and regulations of the SEC with respect thereto, and (iv)&nbsp;have been prepared in accordance with GAAP consistently applied
during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. The books and records of
the Company and its Subsidiaries have been, and are being, maintained in all material respects in accordance with GAAP and any other
applicable legal and accounting requirements and reflect only actual transactions. No independent public accountant has resigned (or
informed the Company that it intends to resign) or has been dismissed as independent public accountants of the Company as a result of
or in connection with any disagreements with the Company on a matter of accounting principles or practices, financial statement disclosure
or auditing scope or procedure during the six years prior to the date hereof.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not have, either individually or in the aggregate, a Material Adverse Effect on the Company, neither the Company nor any of
its Subsidiaries has any liability (whether absolute, accrued, contingent or otherwise and whether due or to become due) required by
GAAP to be included on a consolidated balance sheet of the Company, except for those liabilities that are reflected or reserved against
on the consolidated balance sheet of the Company included in its Annual and Quarterly Reports on Form&nbsp;10-K and Form&nbsp;10-Q for
the fiscal year and quarters ended December&nbsp;31, 2022, March&nbsp;31, 2023 and June&nbsp;30, 2023 (including any notes thereto) and
for liabilities incurred in the ordinary course of business consistent with past practice since December&nbsp;31, 2022, or in connection
with this Agreement and the transactions contemplated hereby.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
records, systems, controls, data and information of the Company and its Subsidiaries are recorded, stored, maintained and operated under
means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership
and direct control of the Company or its Subsidiaries or accountants (including all means of access thereto and therefrom), except for
any non-exclusive ownership and non-direct control that, either individually or in the aggregate, would not have a Material Adverse Effect
on the Company. The Company (i)&nbsp;has implemented and maintains disclosure controls and procedures (as defined in Rule&nbsp;13a-15(e)&nbsp;promulgated
under the Securities Exchange Act of 1934, as amended (the &ldquo;<U>Exchange Act</U>&rdquo;)) to ensure that material information relating
to the Company, including its Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company
by others within those entities as appropriate to allow timely decisions regarding required disclosures and to make the certifications
required by the Exchange Act and Sections 302 and 906 of the Sarbanes-Oxley Act, and (ii)&nbsp;has disclosed, based on its most recent
evaluation prior to the date hereof, to the Company&rsquo;s outside auditors and the audit committee of the Company&rsquo;s Board of
Directors (A)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal control over financial
reporting (as defined in Rule&nbsp;13a-15(f)&nbsp;promulgated under the Exchange Act) which are reasonably likely to adversely affect
the Company&rsquo;s ability to record, process, summarize and report financial information, and (B)&nbsp;any fraud, whether or not material,
that involves management or other employees who have a significant role in the Company&rsquo;s internal controls over financial reporting.
These disclosures were made in writing by management to the Company&rsquo;s auditor and audit committee. To the knowledge of the Company,
there is no reason to believe that the Company&rsquo;s outside auditors and its chief executive officer and chief financial officer will
not be able to give the certifications and attestations required pursuant to the rules&nbsp;and regulations adopted pursuant to Section&nbsp;404
of the Sarbanes-Oxley Act, without qualification, when next due.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Since
January&nbsp;1, 2021, (i)&nbsp;neither the Company nor any of its Subsidiaries, nor, to the knowledge of the Company, any director, officer,
employee, auditor, accountant, attorney, advisor or representative of the Company or any of its Subsidiaries, has received or otherwise
had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting
or auditing practices, procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs and
accruals) of the Company or any of its Subsidiaries or their respective internal accounting controls, including any material complaint,
allegation, assertion or claim that the Company or any of its Subsidiaries has engaged in questionable accounting or auditing practices,
and (ii)&nbsp;no attorney representing the Company or any of its Subsidiaries, whether or not employed by the Company or any of its Subsidiaries,
has reported evidence of a material violation of securities laws, breach of fiduciary duty or similar violation by the Company or any
of its officers, directors, employees or agents to the Board of Directors of the Company or any committee thereof or to the knowledge
of the Company, to any director or officer of the Company.</FONT></P>

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

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Broker&rsquo;s
Fees</U>. With the exception of the engagement of Morgan Stanley&nbsp;&amp; Co. LLC, neither the Company nor any Company Subsidiary nor
any of their respective officers or directors has employed any broker, finder or financial advisor or incurred any liability for any
broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Merger or related transactions contemplated by this Agreement.
Company has disclosed to Parent as of the date hereof the aggregate fees provided for in connection with the engagement by Company of
Morgan Stanley&nbsp;&amp; Co. LLC related to the Merger and the other transactions contemplated hereby.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Absence
of Certain Changes or Events</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Since
December&nbsp;31, 2022 through the date of this Agreement, no event or events have occurred that have had, either individually or in
the aggregate, a Material Adverse Effect on the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
in connection with matters contemplated, required or permitted by this Agreement, since December&nbsp;31, 2022 through the date of this
Agreement, the Company and its Subsidiaries have carried on their respective businesses in all material respects in the ordinary course
(other than discussions and negotiations related to this Agreement).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Legal
Proceedings</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as disclosed on Section&nbsp;3.9(a)&nbsp;of the Company Disclosure Schedule, neither the Company nor its Subsidiaries is a party to any,
and there are no pending or, to the knowledge of the Company, threatened material legal, administrative, arbitral or other proceedings,
claims, actions or governmental or regulatory investigations of any nature against the Company or any of its Subsidiaries or that is
against any of their current or former directors or executive officers or of a nature challenging the validity or propriety of the transactions
contemplated by this Agreement. Schedule 3.9(a)&nbsp;sets forth a true and complete list of all pending or threatened litigation against
the Company, including lender liability and/or counterclaims, in which damages or loss could reasonably exceed $100,000.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, there is no injunction, order,
judgment, decree, or regulatory restriction imposed upon the Company, any of its Subsidiaries or the assets of the Company or any of
its Subsidiaries (or that, upon consummation of the Merger, would apply to the Surviving Corporation or any of its affiliates).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, no claims are outstanding under
any of the Company or its Subsidiaries&rsquo; insurance policies.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, no claims are outstanding against
the Company or its Subsidiaries for indemnification.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Taxes
and Tax Returns</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
of the Company and its Subsidiaries has duly and timely filed (taking into account all applicable extensions) all Tax Returns in all
jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material
respects. Neither the Company nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any material
Tax Return (other than extensions to file Tax Returns obtained in the ordinary course). All Taxes of the Company and its Subsidiaries
(whether or not shown on any Tax Returns) that are due have been fully and timely paid. Each of the Company and its Subsidiaries has
withheld and paid all Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor,
shareholder, independent contractor or other third party. Neither the Company nor any of its Subsidiaries has granted any extension or
waiver of the limitation period applicable to any material Tax that remains in effect. Neither the Company nor any of its Subsidiaries
has received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and there are no threatened
(in writing) or pending disputes, claims, audits, examinations or other proceedings regarding any material Tax of the Company and its
Subsidiaries or the assets of the Company and its Subsidiaries. Neither the Company nor any of its Subsidiaries is a party to or is bound
by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or arrangement exclusively between
or among the Company and its Subsidiaries). Neither the Company nor any of its Subsidiaries (i)&nbsp;has been a member of an affiliated
group filing a consolidated federal income Tax Return (other than a group the common parent of which is or was the Company) or (ii)&nbsp;has
any liability for the Taxes of any person (other than the Company or any of its Subsidiaries) under Treasury Regulations Section&nbsp;1.1502-6
(or any similar provision of state, local or foreign law), as a transferee or successor, by contract or otherwise. Neither the Company
nor any of its Subsidiaries has been, within the past two (2)&nbsp;years, a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled
corporation&rdquo; (within the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify
for tax-free treatment under Section&nbsp;355 of the Code. Neither the Company nor any of its Subsidiaries has participated in a &ldquo;reportable
transaction&rdquo; within the meaning of Treasury Regulations Section&nbsp;1.6011-4(b)(1). At no time during the past five (5)&nbsp;years
has the Company been a United States real property holding corporation within the meaning of Section&nbsp;897(c)(2)&nbsp;of the Code.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">As
used in this Agreement, the term &ldquo;<U>Tax</U>&rdquo; or &ldquo;<U>Taxes</U>&rdquo; means all federal, state, local, and foreign
income, excise, gross receipts, ad valorem, profits, gains, property, capital, sales, transfer, use, license, payroll, employment, social
security, severance, unemployment, withholding, duties, excise, windfall profits, intangibles, franchise, backup withholding, value added,
alternative or add-on minimum, estimated and other taxes, charges, levies or like assessments together with all penalties and additions
to tax and interest thereon.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">As
used in this Agreement, the term &ldquo;<U>Tax Return</U>&rdquo; means any return, declaration, report, claim for refund, or information
return or statement relating to Taxes, including any schedule or attachment thereto, and including any amendment thereof, supplied or
required to be supplied to a Governmental Entity.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Employees
and Employee Benefit Plans</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Section&nbsp;3.11(a)&nbsp;of
the Company Disclosure Schedule sets forth a true, correct and complete list of all Company Benefit Plans. For purposes of this Agreement,
 &ldquo;<U>Company Benefit Plans</U>&rdquo; means all employee benefit plans (as defined in Section&nbsp;3(3)&nbsp;of the Employee Retirement
Income Security Act of 1974, as amended (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to ERISA, and all stock option, stock purchase,
restricted stock, incentive, deferred compensation, retiree medical or life insurance, retirement, savings, supplemental retirement,
retention, bonus, employment, change in control, termination or severance plans, programs, agreements or arrangements that are maintained,
contributed to or sponsored by, or required to be contributed to, the Company or any of its Subsidiaries for the benefit of any current
or former employee, officer or director of the Company or any of its Subsidiaries, excluding, in each case, any Multiemployer Plan.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company has heretofore made available to Parent true and complete copies of (i)&nbsp;each Company Benefit Plan, including any amendments
thereto and all related trust documents, insurance contracts or other funding vehicles, and (ii)&nbsp;to the extent applicable, (A)&nbsp;the
most recent summary plan description required under ERISA with respect to such Company Benefit Plan, (B)&nbsp;the most recent annual
report (Form&nbsp;5500) filed with the Internal Revenue Service (&ldquo;<U>IRS</U>&rdquo;), (C)&nbsp;the most recently received IRS determination
letter relating to such Company Benefit Plan, and (D)&nbsp;the most recently prepared actuarial report for each Company Benefit Plan.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
Company Benefit Plan has been established, operated and administered in all material respects in accordance with its terms and the requirements
of all applicable laws, including ERISA and the Code.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Section&nbsp;3.11(d)&nbsp;of
the Company Disclosure Schedule identifies each Company Benefit Plan that is intended to be qualified under Section&nbsp;401(a)&nbsp;of
the Code (the &ldquo;<U>Company Qualified Plans</U>&rdquo;). The IRS has issued a favorable determination letter with respect to each
Company Qualified Plan and the related trust, which letter has not been revoked (nor to the knowledge of the Company has revocation been
threatened), and, to the knowledge of the Company, there are no existing circumstances and no events have occurred that would reasonably
be expected to adversely affect the qualified status of any Company Qualified Plan or the related trust.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">No
Company Benefit Plan is subject to Section&nbsp;302 or Title IV of ERISA or Section&nbsp;412, 430 or 4971 of the Code, and during the
immediately preceding six (6)&nbsp;years, no Controlled Group Liability has been incurred by the Company or its ERISA Affiliates that
has not been satisfied in full, and, to the knowledge of the Company, no condition exists that presents a material risk to the Company
or its ERISA Affiliates of incurring any such liability. For purposes of this Agreement, &ldquo;<U>Controlled Group Liability</U>&rdquo;
means any and all liabilities (i)&nbsp;under Title IV of ERISA, (ii)&nbsp;under Section&nbsp;302 of ERISA, (iii)&nbsp;under Sections
412 and 4971 of the Code, or (iv)&nbsp;as a result of a failure to comply with the continuing coverage requirements of Section&nbsp;601
<I>et seq. </I>of ERISA and Section&nbsp;4980B of the Code. For purposes of this Agreement, &ldquo;<U>ERISA Affiliate</U>&rdquo; means,
with respect to any entity, trade or business, any other entity, trade or business that is, or was at the relevant time, a member of
a group described in Section&nbsp;414(b), (c), (m)&nbsp;or (o)&nbsp;of the Code or Section&nbsp;4001(b)(1)&nbsp;of ERISA that includes
or included the first entity, trade or business, or that is, or was at the relevant time, a member of the same &ldquo;controlled group&rdquo;
as the first entity, trade or business pursuant to Section&nbsp;4001(a)(14) of ERISA.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">None
of the Company, any of its Subsidiaries or any of their respective ERISA Affiliates has, at any time during the last six (6)&nbsp;years,
sponsored, maintained, contributed to or been obligated to contribute to (i)&nbsp;any plan that is a &ldquo;multiemployer plan&rdquo;
within the meaning of Section&nbsp;4001(a)(3)&nbsp;of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;), (ii)&nbsp;a plan that has two
or more contributing sponsors, at least two of whom are not under common control, within the meaning of Section&nbsp;4063 of ERISA (a
 &ldquo;<U>Multiple Employer Plan</U>&rdquo;), or (iii)&nbsp;a plan that is subject to Section&nbsp;302 or Title IV of ERISA or Section&nbsp;412,
430 or 4971 of the Code.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Neither
the Company nor any of its Subsidiaries sponsors any employee benefit plan or has any obligation with respect to an arrangement that
provides for any post-employment or post-retirement health or medical or life insurance benefits for retired or former employees or their
beneficiaries or dependents, except as required by Section&nbsp;4980B of the Code.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">All
contributions required to be made to any Company Benefit Plan by applicable law or by any plan document, and all premiums due or payable
with respect to insurance policies funding any Company Benefit Plan, for any period through the date hereof, have been timely made or
paid in full or, to the extent not required to be made or paid on or before the date hereof, have been fully reflected on the books and
records of the Company, except as either individually or in the aggregate, would not reasonably be expected to result in any material
liability to the Company and its Subsidiaries.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">There
are no pending or threatened claims (other than claims for benefits in the ordinary course), lawsuits or arbitrations that have been
asserted or instituted, and, to the knowledge of the Company, no set of circumstances exists that would reasonably be expected to give
rise to a claim or lawsuit, against the Company Benefit Plans, any fiduciaries thereof with respect to their duties to the Company Benefit
Plans or the assets of any of the trusts under any of the Company Benefit Plans, except as, either individually or in the aggregate,
would not reasonably be expected to result in any material liability to the Company and its Subsidiaries.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as set forth on Section&nbsp;3.11(j)&nbsp;of the Company Disclosure Schedule, neither the execution and delivery of this Agreement nor
the consummation of the transactions contemplated hereby will (either alone or in conjunction with any other event) (i)&nbsp;result in,
cause the vesting, exercisability or delivery of, cause the Company or any of its Subsidiaries to transfer or set aside any assets to
fund any material benefits under any Company Benefit Plan, (ii)&nbsp;increase in the amount or value of, any payment, right or other
benefit to any employee or director of the Company or any of its Subsidiaries, (iii)&nbsp;result in any limitation on the right of the
Company or any of its Subsidiaries to amend, merge, terminate or receive a reversion of assets from any Company Benefit Plan or related
trust or (iv)&nbsp;result in any payment or benefit that may, individually or in combination with any other such payment, be characterized
as an &ldquo;excess parachute payment&rdquo; within the meaning of Section&nbsp;280G(b)(1)&nbsp;of the Code.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Neither
the Company nor any of its Subsidiaries is a party to any plan, program, agreement or arrangement that provides for the gross-up or reimbursement
of Taxes imposed under Section&nbsp;409A or 4999 of the Code.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
Company Benefit Plan that is a &ldquo;nonqualified deferred compensation plan&rdquo; (as defined in Section&nbsp;409A(d)(1)&nbsp;of the
Code) and any award thereunder, in each case that is subject to Section&nbsp;409A of the Code, has (i)&nbsp;since January&nbsp;1, 2005,
been maintained and operated, in all material respects, in good faith compliance with Section&nbsp;409A of the Code and IRS Notice 2005-1
and (ii)&nbsp;since January&nbsp;1, 2009, been, in all material respects, in documentary and operational compliance with Section&nbsp;409A
of the Code.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">There
are no pending or, to the knowledge of the Company, threatened labor grievances or unfair labor practice claims or charges against the
Company or any of its Subsidiaries, or any strikes or other material labor disputes against the Company or any of its Subsidiaries. Neither
the Company nor any of its Subsidiaries is party to or bound by any collective bargaining or similar agreement with any labor organization,
or work rules&nbsp;or practices agreed to with any labor organization or employee association applicable to employees of the Company
or any of its Subsidiaries and, to the knowledge of the Company, there are no organizing efforts by any union or other group seeking
to represent any employees of the Company and its Subsidiaries.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company and its Subsidiaries are in compliance in all material respects with, and since December&nbsp;31, 2019 have complied in all material
respects with, all laws regarding employment and employment practices, terms and conditions of employment, wages and hours, paid sick
leave, classification of employees and independent contractors, equitable pay practices, privacy rights, labor disputes, employment discrimination,
sexual or racial harassment or discrimination, workers&rsquo; compensation or long-term disability policies, retaliation, immigration,
family and medical leave, occupational safety and health and other laws in respect of any reduction in force (including notice, information
and consultation requirements).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">(i)&nbsp;To
the knowledge of the Company, no written allegations of sexual or racial harassment or sexual or race-based misconduct have been made
since December&nbsp;31, 2019 against any Company Insiders, (ii)&nbsp;since December&nbsp;31, 2019, neither the Company nor any of its
Subsidiaries has entered into any settlement agreement related to allegations of sexual or racial harassment or sexual or race-based
misconduct by any Company Insiders, and (iii)&nbsp;there are no proceedings currently pending or, to the knowledge of the Company, threatened
related to any allegations of sexual or racial harassment or sexual or race-based misconduct by any Company Insiders.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.12</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Compliance
with Applicable Law</U>. The Company and each of its Subsidiaries hold, and have held at all times since January&nbsp;1, 2021, all licenses,
franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective
properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith),
except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization
(nor the failure to pay any fees or assessments) would, either individually or in the aggregate, have a Material Adverse Effect on the
Company. No suspension or cancellation of any such necessary license, franchise, permit or authorization that is material to the business
of the Company and its Subsidiaries (taken as a whole) is pending or, to the knowledge of the Company, threatened. The Company and each
of its Subsidiaries have complied in all material respects with and are not in material default or violation under any applicable law,
statute, order, rule, regulation, policy and/or guideline of any Governmental Entity relating to the Company or any of its Subsidiaries,
including, without limitation, all laws related to data protection or privacy, the USA PATRIOT Act, any laws, regulations or sanctions
administered by the Office of Foreign Assets Control of the United States Treasury Department, the Bank Secrecy Act, the Equal Credit
Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending
Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the
Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the
Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate
Settlement Procedures Act and Regulation X, and any other law relating to bank secrecy, discriminatory lending, financing or leasing
practices, money laundering prevention, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, and all agency requirements
relating to the origination, sale and servicing of mortgage and consumer loans. Company Bank has a Community Reinvestment Act rating
of &ldquo;satisfactory&rdquo; or better. To the knowledge of the Company, none of the Company, or its Subsidiaries, any director, officer,
employee, agent or other person acting on behalf of the Company or any of its Subsidiaries has, directly or indirectly, (a)&nbsp;used
any funds of the Company or any of its Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other expenses
relating to political activity, (b)&nbsp;made any unlawful payment to foreign or domestic governmental officials or employees or to foreign
or domestic political parties or campaigns from funds of the Company or any of its Subsidiaries, (c)&nbsp;violated any provision that
would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (d)&nbsp;established or maintained
any unlawful fund of monies or other assets of the Company or any of its Subsidiaries, (e)&nbsp;made any fraudulent entry on the books
or records of the Company or any of its Subsidiaries, or (f)&nbsp;made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful
influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether in money,
property or services, to obtain favorable treatment in securing business to obtain special concessions for the Company or any of its
Subsidiaries, to pay for favorable treatment for business secured or to pay for special concessions already obtained for the Company
or any of its Subsidiaries, or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control
of the United States Treasury Department.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.13</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Certain
Contracts</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as set forth in Section&nbsp;3.13(a)&nbsp;of the Company Disclosure Schedule, as of the date hereof, neither the Company nor any of its
Subsidiaries is a party to or bound by any contract, arrangement, commitment or understanding (whether written or oral) (i)&nbsp;which
is a &ldquo;material contract&rdquo; (as such term is defined in Item 601(b)(10)&nbsp;of Regulation S-K of the SEC), (ii)&nbsp;which
contains a provision that limits (or purports to limit) in any material respect the ability of the Company or its affiliates (or, following
the Closing, the Surviving Corporation or its affiliates) to engage or compete in any business (including (a)&nbsp;any exclusivity or
exclusive dealing provisions with such an effect or (b)&nbsp;any geographic restrictions and preferential arrangements), (iii)&nbsp;with
or to a labor union or guild (including any collective bargaining agreement), (iv)&nbsp;other than extensions of credit (all of which
extensions of credit have been made in compliance with Company Bank&rsquo;s credit policy manual and all applicable laws, statutes, rules&nbsp;or
regulations), other banking products offered by the Company and its Subsidiaries or derivatives, which creates future payment obligations
to or from the Company or its Subsidiaries in excess of $100,000 annually, and that by its terms does not terminate or is not terminable
without penalty upon notice of sixty (60) days or less, (v)&nbsp;that grants any right of first refusal, right of first offer or similar
right with respect to any material assets, rights or properties of the Company or its Subsidiaries, taken as a whole, (vi)&nbsp;for any
joint venture, partnership or similar agreement material to the Company or its Subsidiaries, (vii)&nbsp;that requires the Company or
its Subsidiaries to sell or purchase goods or services on an exclusive basis or make referrals of business to any person on a priority
or exclusive basis, (viii)&nbsp;that relates to the acquisition or disposition of any business, capital stock or assets of any Person
(whether by merger, sale of stock, sale of assets or otherwise) that has any remaining obligations (other than customary obligations
relating to the indemnification of directors and officers), or (ix)&nbsp;that relates to any real property leased, subleased, licensed
or occupied by the Company or its Subsidiaries as lessee, sublessee, licensee or occupant and provides for annual payments by the Company
or its Subsidiaries in excess of $100,000. Each contract, arrangement, commitment or understanding of the type described in this <U>Section&nbsp;3.13(a)</U>&nbsp;(excluding
any Company Benefit Plan), whether or not set forth in the Company Disclosure Schedule, is referred to herein as a &ldquo;<U>Company
Contract</U>,&rdquo; and neither the Company nor any of its Subsidiaries knows of, or has received notice of, any violation of the above
by any of the other parties thereto which would have, either individually or in the aggregate, a Material Adverse Effect on the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
each case, except as, either individually or in the aggregate, would not have a Material Adverse Effect on the Company, (i)&nbsp;each
Company Contract is valid and binding on the Company or one of its Subsidiaries, as applicable, and in full force and effect, (ii)&nbsp;the
Company and each of its Subsidiaries has performed all obligations required to be performed by it to date under each Company Contract,
(iii)&nbsp;each third-party counterparty to each Company Contract has performed all obligations required to be performed by it to date
under such Company Contract, and (iv)&nbsp;no event or condition exists which constitutes or, after notice or lapse of time or both,
will constitute, a default on the part of the Company or any of its Subsidiaries under any such Company Contract.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.14</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Agreements
with Regulatory Agencies</U>. Except as would not be material to the Company and its Subsidiaries, taken as a whole, neither the Company
nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written
agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or
is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January&nbsp;1,&nbsp;2021,
a recipient of any supervisory letter from, or since January&nbsp;1,&nbsp;2021, has adopted any policies, procedures or board resolutions
at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the
conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk
management policies, its management or its business (each, whether or not set forth in the Company Disclosure Schedule, a &ldquo;<U>Company
Regulatory Agreement</U>&rdquo;), nor has the Company or any of its Subsidiaries been advised in writing or, to the knowledge of the
Company, otherwise since January&nbsp;1, 2021, by any Regulatory Agency or other Governmental Entity that it is considering issuing,
initiating, ordering, or requesting any such Company Regulatory Agreement.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.15</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Risk
Management Instruments</U>. Except as would not have, either individually or in the aggregate, a Material Adverse Effect on the Company,
all interest rate swaps, caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and
risk management arrangements, whether entered into for the account of the Company, any of its Subsidiaries or for the account of a customer
of the Company or one of its Subsidiaries, were entered into in the ordinary course of business and in accordance with applicable rules,
regulations and policies of any Regulatory Agency and with counterparties believed to be financially responsible at the time and are
legal, valid and binding obligations of the Company or one of its Subsidiaries enforceable in accordance with their terms (except as
may be limited by the Enforceability Exceptions), and are in full force and effect. Except as would not have, either individually or
in the aggregate, a Material Adverse Effect on the Company, the Company and each of its Subsidiaries have duly performed their obligations
thereunder to the extent that such obligations to perform have accrued, and, to the knowledge of the Company, there are no breaches,
violations or defaults or allegations or assertions of such by any party thereunder.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.16</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Environmental
Matters</U>. The Company and its Subsidiaries are in compliance in all material respects with any federal, state or local law, regulation,
order, decree, permit, authorization, common law or agency requirement relating to: (a)&nbsp;the protection or restoration of the environment,
health and safety as it relates to hazardous substance exposure or natural resource damages, (b)&nbsp;the handling, use, presence, disposal,
release or threatened release of, or exposure to, any hazardous substance, or (c)&nbsp;noise, odor, wetlands, indoor air, pollution,
contamination or any injury to persons or property from exposure to any hazardous substance (collectively, &ldquo;<U>Environmental Laws</U>&rdquo;).
There are no legal, administrative, arbitral or other proceedings, claims or actions, or to the knowledge of Company any private environmental
investigations or remediation activities or governmental investigations of any nature seeking to impose, or that could reasonably be
expected to result in the imposition, on the Company or any of its Subsidiaries of any material liability or obligation arising under
any Environmental Law, pending or threatened against the Company To the knowledge of the Company, there is no reasonable basis for any
such proceeding, claim, action or governmental investigation that would impose any material liability or material obligation on the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.17</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Investment
Securities and Commodities</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not have, either individually or in the aggregate, a Material Adverse Effect on the Company, each of the Company and its Subsidiaries
has good title to all securities and commodities owned by it (except those sold under repurchase agreements), free and clear of any Lien,
except as set forth in the financial statements included in the Company Reports or to the extent such securities or commodities are pledged
in the ordinary course of business to secure obligations of the Company or its Subsidiaries. Such securities and commodities are valued
on the books of the Company in accordance with GAAP in all material respects.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company and its Subsidiaries and their respective businesses employ investment, securities, commodities, risk management and other policies,
practices and procedures that the Company believes are prudent and reasonable in the context of such businesses, and, to the knowledge
of the Company, the Company and its Subsidiaries have been in material compliance with such policies, practices and procedures in all
material respects since January&nbsp;1, 2021.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.18</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Real
Property</U>. The Company or a Company Subsidiary has good and marketable title in fee simple to all the real property reflected in the
latest audited balance sheet included in the Company Reports as being owned by the Company or a Company Subsidiary or acquired after
the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course of business) (the &ldquo;<U>Company
Owned Properties</U>&rdquo;), free and clear of all Liens, except (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens
for real property Taxes not yet due and payable, (iii)&nbsp;easements, rights of way, and other similar encumbrances that do not materially
affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations
at such properties and (iv)&nbsp;such imperfections or irregularities of title or Liens as do not materially affect the value or use
of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such properties
(clauses (i)&nbsp;through (iv), collectively, &ldquo;<U>Permitted Encumbrances</U>&rdquo;), and (b)&nbsp;is the lessee of all leasehold
estates reflected in the latest audited financial statements included in such the Company Reports or acquired after the date thereof
(except for leases that have expired by their terms since the date thereof) (collectively with the Company Owned Properties, the &ldquo;<U>Company
Real Property</U>&rdquo;), free and clear of all Liens of any nature whatsoever, except for Permitted Encumbrances, and is in possession
of the properties purported to be leased thereunder, and each such lease is valid without default thereunder by the lessee or, to the
knowledge of the Company, the lessor. Except as would not, either individually or in the aggregate, have a Material Adverse Effect on
the Company, there are no pending or, to the knowledge of the Company, threatened condemnation proceedings against the Company Real Property.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.19</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Intellectual
Property</U>. The Company and each of its Subsidiaries owns, or is licensed to use (in each case, free and clear of any material Liens),
all Intellectual Property necessary for the conduct of its business as currently conducted. Except as would not, either individually
or in the aggregate, have a Material Adverse Effect on the Company, (a)&nbsp;(i)&nbsp;the use of any Intellectual Property by the Company
and its Subsidiaries does not infringe, misappropriate or otherwise violate the rights of any person and is in accordance with any applicable
license pursuant to which the Company or any Company Subsidiary acquired the right to use any Intellectual Property, and (ii)&nbsp;since
January&nbsp;1, 2021, no person has asserted in writing to the Company that the Company or any of its Subsidiaries has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such person, (b)&nbsp;no person is challenging or, to the knowledge of the
Company, infringing on or otherwise violating, any right of the Company or any of its Subsidiaries with respect to any Intellectual Property
owned by the Company or its Subsidiaries, and (c)&nbsp;since January&nbsp;1, 2021, neither the Company nor any Company Subsidiary has
received any notice of any pending claim with respect to any Intellectual Property owned by the Company or any Company Subsidiary, and
(d)&nbsp;the Company and its Subsidiaries have taken commercially reasonable actions to avoid the abandonment, cancellation or unenforceability
of all Intellectual Property owned or licensed, respectively, by the Company and its Subsidiaries. For purposes of this Agreement, &ldquo;<U>Intellectual
Property</U>&rdquo; means trademarks, service marks, brand names, internet domain names, logos, symbols, certification marks, trade dress
and other indications of origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
patents, applications for patents (including divisions, continuations, continuations in part and renewal applications), all improvements
thereto, and any renewals, extensions or reissues thereof, in any jurisdiction; trade secrets; and copyrights registrations or applications
for registration of copyrights in any jurisdiction, and any renewals or extensions thereof.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.20</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Related
Party Transactions</U>. There are no transactions or series of related transactions, agreements, arrangements or understandings, nor
are there any currently proposed transactions or series of related transactions of the type required to be reported in any Company Report
pursuant to Item 404 of Regulation S-K promulgated under the Exchange Act that have not been so reported, between the Company or any
of its Subsidiaries, on the one hand, and any current or former director or &ldquo;executive officer&rdquo; (as defined in Rule&nbsp;3b-7
under the Exchange Act) of the Company or any of its Subsidiaries or any person who beneficially owns (as defined in Rules&nbsp;13d-3
and 13d-5 of the Exchange Act) 5% or more of the outstanding Company Common Stock (or any of such person&rsquo;s immediate family members
or affiliates) (other than Subsidiaries of the Company) on the other hand, except those of a type available to employees of the Company
or its Subsidiaries generally.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.21</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>State
Takeover Laws</U>. The Board of Directors of the Company has approved this Agreement and the transactions contemplated hereby as required
to render inapplicable to such agreements and transactions Section&nbsp;&sect; 48-103 of the TBCA and any similar &ldquo;moratorium,&rdquo;
 &ldquo;control share,&rdquo; &ldquo;fair price,&rdquo; &ldquo;takeover&rdquo; or &ldquo;interested shareholder&rdquo; law (any such laws,
 &ldquo;<U>Takeover Statutes</U>&rdquo;).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.22</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Reorganization</U>.
The Company has not taken any action and is not aware of the existence of any fact or circumstance that could reasonably be expected
to prevent or impede the Merger from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a)&nbsp;of the
Code.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.23</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Opinion
of Financial Advisor</U>. Prior to the execution of this Agreement, the Board of Directors of the Company has received an opinion (which,
if initially rendered verbally, has been or will be confirmed by a written opinion, dated the same date) of Morgan Stanley&nbsp;&amp;
Co. LLC to the effect that, as of the date of such opinion, and based upon and subject to the factors, assumptions, and limitations set
forth therein, the Exchange Ratio pursuant to this Agreement is fair, from a financial point of view to the holders shares of Company
Common Stock. Such opinion has not been amended or rescinded as of the date of this Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.24</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
Information</U>. The information relating to the Company and its Subsidiaries which is provided by the Company or its representatives
specifically for inclusion in the Proxy Statement and the S-4, or in any other document filed with any other Regulatory Agency in connection
herewith, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements
therein, in light of the circumstances in which they are made, not misleading. The portion of the Proxy Statement relating to the Company
and its Subsidiaries will comply in all material respects with the provisions of the Exchange Act and the rules&nbsp;and regulations
thereunder. Notwithstanding the foregoing, no representation or warranty is made by the Company with respect to statements made or incorporated
by reference therein based on information provided or supplied by or on behalf of Parent or its Subsidiaries for inclusion in the Proxy
Statement or the S-4.</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.25</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Loan
Portfolio</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not have, either individually or in the aggregate, a Material Adverse Effect on the Company, each loan, loan agreement, note
or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets)
(collectively, &ldquo;<U>Loans</U>&rdquo;) of the Company and its Subsidiaries (i)&nbsp;is evidenced by notes, agreements or other evidences
of indebtedness that are true, genuine and what they purport to be, (ii)&nbsp;to the extent carried on the books and records of the Company
and its Subsidiaries as secured Loans, has been secured by valid charges, mortgages, pledges, security interests, restrictions, claims,
liens or encumbrances, as applicable, which have been perfected (iii)&nbsp;is the legal, valid and binding obligation of the obligor
named therein, enforceable in accordance with its terms, subject to the Enforceability Exceptions, and (iv)&nbsp;has been made in the
ordinary course of business, consistent with past practice, and in accordance with Company Bank&rsquo;s credit policies and procedures.
No Loan that has as of the date hereof an outstanding balance of $1,000,000 or more and that (A)&nbsp;was not over ninety (90) days or
more delinquent in payment of principal or interest as of June&nbsp;30, 2023, is as of the date hereof over ninety (90) days or more
delinquent in payment of principal or interest, or (B)&nbsp;was not classified by the Company as &ldquo;Other Loans Specially Mentioned,&rdquo;
 &ldquo;Special Mention,&rdquo; &ldquo;Substandard,&rdquo; &ldquo;Doubtful,&rdquo; &ldquo;Loss,&rdquo; &ldquo;Classified,&rdquo; &ldquo;Criticized,&rdquo;
 &ldquo;Credit Risk Assets,&rdquo; &ldquo;Concerned Loans,&rdquo; &ldquo;Watch List&rdquo; or words of similar import, as of June&nbsp;30,
2023, is as of the date hereof so classified.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, each outstanding Loan of the Company
and its Subsidiaries (including Loans held for resale to investors) was solicited and originated, and is and has been administered and,
where applicable, serviced, and the relevant Loan files are being maintained, in all material respects in accordance with the relevant
notes or other credit or security documents, the written underwriting standards of the Company and its Subsidiaries (and, in the case
of Loans held for resale to investors, the underwriting standards, if any, of the applicable investors) and with all applicable federal,
state and local laws, regulations and rules.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, neither the Company nor any of
its Subsidiaries is now nor has it ever been since January&nbsp;1, 2021, subject to any fine, suspension, settlement or other contract
or other administrative agreement or sanction by, or any reduction in any loan purchase commitment from, any Governmental Entity or Regulatory
Agency relating to the origination, sale or servicing of mortgage or consumer Loans.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.26</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Insurance</U>.
Except as would not have, either individually or in the aggregate, a Material Adverse Effect on the Company: (a)&nbsp;the Company and
its Subsidiaries are insured with reputable insurers against such risks and in such amounts as the management of the Company reasonably
has determined to be prudent and consistent with industry practice, (b)&nbsp;the Company and its Subsidiaries are in compliance with
their insurance policies and are not in default under any of the terms thereof, (c)&nbsp;each such policy is outstanding and in full
force and effect, (d)&nbsp;except for policies insuring against potential liabilities of officers, directors and employees of the Company
and its Subsidiaries, the Company or the relevant Subsidiary thereof is the sole beneficiary of such policies, and (e)&nbsp;all premiums
and other payments due under any such policy have been paid, and all claims thereunder have been filed in due and timely fashion. Company
Disclosure Schedule 3.26 sets forth a true and correct listing of all Company and its Subsidiary insurance policies, carriers, coverage
limits, premiums and deductibles.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.27</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Information
Security</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not have, either individually or in the aggregate, a Material Adverse Effect on the Company, to the knowledge of Company, since
January&nbsp;1, 2021, no third party has gained unauthorized access to any information systems or networks controlled by and material
to the operation of the business of the Company and its Subsidiaries, and, to the knowledge of the Company, there are no data security
or other technological vulnerabilities with respect to its information technology systems or networks.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company and its Subsidiaries have implemented backup and disaster recovery technology reasonably consistent with industry standards and
practices.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company and its Subsidiaries are presently in compliance in all material respects with all applicable laws, internal policies, and contractual
obligations relating to the privacy and security of its respective information technology and computer systems, networks, hardware, software,
data, and technology from unauthorized use, access, misappropriation or modification.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.28</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Trust
Business</U>. Neither the Company nor any of its Subsidiaries has administered any account for which it acts as a fiduciary, including
accounts for which it serves as trustee, agent, custodian, personal representative, guardian, conservator, or investment advisor.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.29</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Mortgage
Banking Activities</U>. Since January&nbsp;1, 2021, all Mortgage Loans have been originated, processed, underwritten, closed, funded,
insured, sold or acquired, serviced and subserviced (including all loan application, loss mitigation, loan modification, foreclosure
and real property administration activities), and all disclosures required by applicable law made by the Company or any of its Subsidiaries
in connection with the Mortgage Loans have been provided to the borrowers thereof, in each case, in accordance with all applicable law
in all material respects; (ii)&nbsp;no Mortgage Loans were originated by any person other than the Company or one of its Subsidiaries;
(iii)&nbsp;no fraud or material error, omission, misrepresentation, mistake or similar occurrence has occurred on the part of the Company
or its Subsidiaries or, to the knowledge of the Company, any third-party servicer in connection with the origination or servicing of
any of the Mortgage Loans; and (iv)&nbsp;other than obligations to repurchase that are customary for the mortgage business, neither the
Company nor any of its Subsidiaries has any obligation or potential obligation to, repurchase or re-acquire from any person any Mortgage
Loan or any collateral securing any Mortgage Loan, whether by Contract or otherwise. &ldquo;Mortgage Loan&rdquo; means any and all Loans
secured by one (1)&nbsp;to four (4)&nbsp;family residential properties, mixed use properties (but only to the extent subject to the United
States Department of Housing and Urban Development&rsquo;s 203(k)&nbsp;program), Loans secured by interests in cooperatives, condominium
units and units in planned unit developments owned, originated (or in the process of origination), made, entered into, serviced or subserviced
by the Company or its Subsidiaries at any time, including and real property acquired in connection with the default of any mortgage loan.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.30</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Other Representations or Warranties.</U></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
for the representations and warranties made by the Company in this <U>Article&nbsp;III</U>, neither the Company nor any other person
makes any express or implied representation or warranty with respect to the Company, its Subsidiaries, or their respective businesses,
operations, assets, liabilities, conditions (financial or otherwise) or prospects, and the Company hereby disclaims any such other representations
or warranties. In particular, without limiting the foregoing disclaimer, neither the Company nor any other person makes or has made any
representation or warranty to Parent or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast,
estimate, budget or prospective information relating to the Company, any of its Subsidiaries or their respective businesses, or (ii)&nbsp;except
for the representations and warranties made by the Company in this <U>Article&nbsp;III</U>, any oral or written information presented
to Parent or any of its affiliates or representatives in the course of their due diligence investigation of the Company, the negotiation
of this Agreement or in the course of the transactions contemplated hereby.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company acknowledges and agrees that neither Parent nor any other person on behalf of Parent has made or is making, and the Company has
not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;IV</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;IV</B></FONT></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"><FONT STYLE="text-transform: uppercase"><B>REPRESENTATIONS
AND WARRANTIES OF PARENT</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Except (a)&nbsp;as disclosed in the disclosure
schedule delivered by Parent to the Company concurrently herewith (the &ldquo;<U>Parent Disclosure Schedule</U>&rdquo;); <U>provided
</U>that (i)&nbsp;no such item is required to be set forth as an exception to a representation or warranty if its absence would not result
in the related representation or warranty being deemed untrue or incorrect, (ii)&nbsp;the mere inclusion of an item in the Parent Disclosure
Schedule as an exception to a representation or warranty shall not be deemed an admission by Parent that such item represents a material
exception or fact, event or circumstance or that such item is reasonably likely to result in a Material Adverse Effect, and (iii)&nbsp;any
disclosures made with respect to a section of this <U>Article&nbsp;IV</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article&nbsp;IV</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article&nbsp;IV</U> to the
extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross-reference) from a reading of the disclosure
that such disclosure applies to such other sections, or (b)&nbsp;as disclosed in any Parent Reports publicly filed with or furnished
to the SEC by Parent after January&nbsp;1, 2021 and prior to the date hereof (but disregarding risk factor disclosures contained under
the heading &ldquo;Risk Factors,&rdquo; or disclosures of risks set forth in any &ldquo;forward-looking statements&rdquo; disclaimer
or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature), Parent hereby represents
and warrants to the Company as follows:</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"></P>

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Corporate
Organization</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Parent
is a corporation duly organized, validly existing and in good standing under the laws of the State of Indiana and is a bank holding company
duly registered with the Federal Reserve Board under the BHC Act. Parent has the corporate power and authority necessary to own or lease
all of its properties and assets and to carry on its business as it is now being conducted in all material respects. Parent is duly licensed
or qualified to do business in each jurisdiction in which the nature of the business conducted by it or the character or location of
the properties and assets owned or leased by it makes such licensing or qualification necessary, except where the failure to be so licensed
or qualified would not, either individually or in the aggregate, have a Material Adverse Effect on Parent. True and complete copies of
the Amended and Restated Articles of Incorporation of Parent (the &ldquo;<U>Parent Articles</U>&rdquo;) and the Bylaws of Parent (the
 &ldquo;<U>Parent Bylaws</U>&rdquo;), as in effect as of the date of this Agreement, have previously been made available by Parent to
the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except,
as would not, either individually or in the aggregate, have a Material Adverse Effect on Parent, each Subsidiary of Parent (a &ldquo;<U>Parent
Subsidiary</U>&rdquo;) (i)&nbsp;is duly organized and validly existing under the laws of its jurisdiction of organization, (ii)&nbsp;is
duly qualified to do business and, where such concept is recognized under applicable law, in good standing in all jurisdictions (whether
federal, state, local or foreign) where its ownership or leasing of property or the conduct of its business requires it to be so qualified
and (iii)&nbsp;has all requisite corporate power and authority necessary to own or lease its properties and assets and to carry on its
business as now conducted. There are no restrictions on the ability of any Subsidiary of Parent to pay dividends or distributions except,
(i)&nbsp;in the case of a Subsidiary that is a regulated entity, for restrictions on dividends or distributions generally applicable
to all such regulated entities and (ii)&nbsp;in the case of trust preferred securities and indebtedness in respect thereof, for customary
restrictions on dividends. The deposit accounts of each Subsidiary of Parent that is an insured depository institution are insured by
the FDIC through the Deposit Insurance Fund to the fullest extent permitted by law, all premiums and assessments required to be paid
in connection therewith have been paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge
of Parent, threatened.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Capitalization</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">As
of the date of this Agreement, the authorized capital stock of Parent consists of 600,000,000 shares of Parent Common Stock and
2,000,000 shares of preferred stock, no par value (&ldquo;<U>Parent Preferred Stock</U>&rdquo;). As of October&nbsp;25, 2023, there
are (i)&nbsp;292,622,365.87 shares of Parent Common Stock issued and outstanding, including approximately 1,945,737 shares granted
in respect of outstanding awards of restricted Parent Common Stock, (ii)&nbsp;230,500 shares of Parent Preferred Stock issued and
outstanding, and (iii)&nbsp;approximately 17,638,545 shares of Parent Common Stock issued or reserved for issuance and future grants
under Parent equity incentive plans. As of the date of this Agreement, except as set forth in the immediately preceding sentence,
and for changes since October&nbsp;25, 2023, resulting from the exercise, vesting or settlement of any Parent restricted stock units
awards described in the immediately preceding sentence, there are no other shares of capital stock or other voting securities of
Parent issued, reserved for issuance or outstanding.</FONT></P>

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

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">All
of the issued and outstanding shares of Parent Common Stock have been duly authorized and validly issued and are fully paid, nonassessable
and free of preemptive rights, with no personal liability attaching to the ownership thereof. There are no bonds, debentures, notes or
other indebtedness that have the right to vote on any matters on which shareholders of Parent may vote. Other than as described in clauses
(iii)&nbsp;and (iv)&nbsp;of <U>Section&nbsp;4.2(a)</U>&nbsp;as of the date of this Agreement there are no outstanding subscriptions,
options, warrants, puts, calls, rights, exchangeable or convertible securities or other commitments or agreements obligating Parent to
issue, transfer, sell, purchase, redeem or otherwise acquire, any such securities. There are no voting trusts, shareholder agreements,
proxies or other agreements in effect with respect to the voting or transfer of the Parent Common Stock or other equity interests of
Parent.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as set forth on Parent Disclosure Schedule 4.2(c), Parent owns, directly or indirectly, all of the issued and outstanding shares of capital
stock or other equity ownership interests of each of the Parent Subsidiaries, free and clear of any Liens, and all of such shares or
equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable (except, with respect to bank Subsidiaries,
as provided under 12 U.S.C. &sect; 55 or any comparable provision of applicable federal or state law) and free of preemptive rights,
with no personal liability attaching to the ownership thereof. No Parent Subsidiary has or is bound by any outstanding subscriptions,
options, warrants, calls, rights, commitments or agreements of any character calling for the purchase or issuance of any shares of capital
stock or any other equity security of such Subsidiary or any securities representing the right to purchase or otherwise receive any shares
of capital stock or any other equity security of such Subsidiary.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Authority;
No Violation</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Parent
has full corporate power and authority to execute and deliver this Agreement and, subject to the shareholder and other actions described
below, to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the Merger
and the Bank Merger have been duly and validly approved by the Board of Directors of Parent. Except for the adoption and approval of
the Bank Merger Agreement by Parent as Parent Bank&rsquo;s sole shareholder (the &ldquo;<U>Parent Approval</U>&rdquo;), no other corporate
proceedings on the part of Parent (including any vote of the shareholders of Parent) are necessary to approve this Agreement or to consummate
the transactions contemplated hereby. This Agreement has been duly and validly executed and delivered by Parent and (assuming due authorization,
execution and delivery by the Company) constitutes a valid and binding obligation of Parent, enforceable against Parent in accordance
with its terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions). The shares of Parent Common
Stock to be issued in the Merger have been validly authorized and, when issued, will be validly issued, fully paid and nonassessable,
and no current or past shareholder of Parent will have any preemptive right or similar rights in respect thereof.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Neither
the execution and delivery of this Agreement by Parent, nor the consummation by Parent of the transactions contemplated hereby, including
the Merger and the Bank Merger, nor compliance by Parent with any of the terms or provisions hereof, will (i)&nbsp;violate any provision
of the Parent Articles, the Parent Bylaws, or (ii)&nbsp;assuming that the consents and approvals referred to in <U>Section&nbsp;4.4</U>
and the Parent Approval is duly obtained, (x)&nbsp;violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree
or injunction applicable to Parent, any of its Subsidiaries or any of their respective properties or assets or (y)&nbsp;violate, conflict
with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or
lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under,
accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Parent
or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, agreement or other instrument or obligation to which Parent or any of its Subsidiaries is a party, or by which they or any of
their respective properties or assets may be bound, except (in the case of clause (ii)&nbsp;above) for such violations, conflicts, breaches
or defaults which, either individually or in the aggregate, would not have a Material Adverse Effect on Parent.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Consents
and Approvals</U>. Except for (a)&nbsp;the filing of applications, filings and notices, as applicable, with the Nasdaq Stock Exchange,
(b)&nbsp;the filing of applications, filings and notices, as applicable, with the Federal Reserve Board under the BHC Act and approval
of such applications, filings and notices, (c)&nbsp;the filing of any required applications, filings and notices, as applicable, with
the Office of the Comptroller of the Currency, and approval of such applications, filings, and notices, (d)&nbsp;the filing of any required
applications, filings, and notices, as applicable, with any governmental agency that has authority over the mortgage production and sale
business of the Company (inclusive of Fannie Mae and Freddie Mac), and approval of such applications, filings, and notices, (e)&nbsp;the
filing of applications, filings and notices, as applicable, with the Tennessee Department of Financial Institutions in connection with
the Merger and the Bank Merger and approval of such applications, filings and notices, (f)&nbsp;the filing of any required applications,
filings or notices with any state banking authorities listed on Section&nbsp;3.4 of the Company Disclosure Schedule or Section&nbsp;4.4
of the Parent Disclosure Schedule and approval of such applications, filings and notices, (g)&nbsp;the filing with the SEC of the Proxy
Statement and the S-4 in which the Proxy Statement will be included as a prospectus, and declaration by the SEC of the effectiveness
of the S-4, (h)&nbsp;the filing of the Tennessee Articles of Merger with the Tennessee Secretary pursuant to the TBCA, and the filing
of the Bank Merger Certificates and Indiana Articles of Merger with the Indiana Secretary pursuant to the IBCL), (i)&nbsp;such filings
and approvals as are required to be made or obtained under the securities or &ldquo;Blue Sky&rdquo; laws of various states in connection
with the issuance of the shares of Parent Common Stock pursuant to this Agreement and (j)&nbsp;the approval of the listing of such Parent
Common Stock on the Nasdaq Stock Exchange, no consents or approvals of or filings or registrations with any Governmental Entity are necessary
in connection with (i)&nbsp;the execution and delivery by Parent of this Agreement or (ii)&nbsp;the consummation by Parent of the Merger
and the other transactions contemplated hereby (including the Bank Merger). As of the date hereof, Parent is not aware of any reason
why necessary regulatory approvals and consents will not be received.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Reports</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Parent
and each of its Subsidiaries have timely filed all reports, registrations and statements, together with any amendments required to be
made with respect thereto, that they were required to file since January&nbsp;1, 2021 with any Regulatory Agency, including, without
limitation, any report, registration or statement required to be filed pursuant to the laws, rules&nbsp;or regulations of the United
States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection
therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments, either individually
or in the aggregate, would not have a Material Adverse Effect on Parent. Except as set forth on Section&nbsp;4.5 of the Parent Disclosure
Schedule and for normal examinations conducted by a Regulatory Agency in the ordinary course of business of Parent and its Subsidiaries,
(i)&nbsp;no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of Parent, investigation into the business
or operations of Parent or any of its Subsidiaries since January&nbsp;1, 2021, (ii)&nbsp;there is no unresolved violation, criticism,
or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections of Parent or
any of its Subsidiaries, and (iii)&nbsp;there has been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory
Agency with respect to the business, operations, policies or procedures of Parent or any of its Subsidiaries since January&nbsp;1, 2021,
in each case of clauses (i)&nbsp;through (iii), which would have, either individually or in the aggregate, a Material Adverse Effect
on Parent.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">An
accurate copy of each final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished
to the SEC since January&nbsp;1, 2021 by Parent pursuant to the Securities Act or the Exchange Act (the &ldquo;<U>Parent Reports</U>&rdquo;)
has been made publicly available. No such Parent Report as of the date thereof (and, in the case of registration statements and proxy
statements, on the dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue statement of a
material fact or omitted to state any material fact required to be stated therein or necessary in order to make the statements therein,
in light of the circumstances in which they were made, not misleading, except that information filed or furnished as of a later date
(but before the date of this Agreement) shall be deemed to modify information as of an earlier date. Since January&nbsp;1, 2021, as of
their respective dates, all Parent Reports filed under the Securities Act and the Exchange Act complied in all material respects as to
form with the published rules&nbsp;and regulations of the SEC with respect thereto. As of the date of this Agreement, no executive officer
of Parent has failed in any respect to make the certifications required of him or her under Section&nbsp;302 or 906 of the Sarbanes-Oxley
Act. As of the date of this Agreement, there are no outstanding comments from or unresolved issues raised by the SEC with respect to
any of the Parent Reports.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Financial
Statements</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
financial statements of Parent and its Subsidiaries included (or incorporated by reference) in the Parent Reports (including the related
notes, where applicable) (i)&nbsp;have been prepared from, and are in accordance with, the books and records of Parent and its Subsidiaries,
(ii)&nbsp;fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders&rsquo;
equity and consolidated financial position of Parent and its Subsidiaries for the respective fiscal periods or as of the respective dates
therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii)&nbsp;complied,
as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published
rules&nbsp;and regulations of the SEC with respect thereto, and (iv)&nbsp;have been prepared in accordance with GAAP consistently applied
during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. The books and records of
Parent and its Subsidiaries have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable
legal and accounting requirements and reflect only actual transactions. No independent public accountant has resigned (or informed Parent
that it intends to resign) or has been dismissed as independent public accountants of Parent as a result of or in connection with any
disagreements with Parent on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure
during the six years prior to the date hereof.</FONT></P>

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not have, either individually or in the aggregate, a Material Adverse Effect on Parent, neither Parent nor any of its Subsidiaries
has any liability (whether absolute, accrued, contingent or otherwise and whether due or to become due) required by GAAP to be included
on a consolidated balance sheet of Parent, except for those liabilities that are reflected or reserved against on the consolidated balance
sheet of Parent included in its Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2022 (including any notes thereto)
and for liabilities incurred in the ordinary course of business consistent with past practice since December&nbsp;31, 2022, or in connection
with this Agreement and the transactions contemplated hereby.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Absence
of Certain Changes or Events</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Since
December&nbsp;31, 2022 through the date of this Agreement, no event or events have occurred that have had, either individually or in
the aggregate, a Material Adverse Effect on Parent.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as set forth on Section&nbsp;4.7(b)&nbsp;of the Parent Disclosure Schedule and in connection with matters contemplated, required or permitted
by this Agreement, since December&nbsp;31, 2022 through the date of this Agreement, Parent and its Subsidiaries have carried on their
respective businesses in all material respects in the ordinary course.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Legal
Proceedings</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as disclosed on Section&nbsp;4.8(a)&nbsp;of the Parent Disclosure Schedule, neither Parent nor any of its Subsidiaries is a party to
any, and there are no pending or, to the knowledge of Parent, threatened, material legal, administrative, arbitral or other proceedings,
claims, actions or governmental or regulatory investigations of any nature against Parent or any of its Subsidiaries or any of their
current or former directors or executive officers or challenging the validity or propriety of the transactions contemplated by this Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as would not, either individually or in the aggregate, have a Material Adverse Effect on Parent, there is no injunction, order, judgment,
decree, or regulatory restriction imposed upon Parent, any of its Subsidiaries or the assets of Parent or any of its Subsidiaries (or
that, upon consummation of the Merger, would apply to Parent or any of its affiliates).</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Taxes
and Tax Returns</U>. Each of Parent and its Subsidiaries has duly and timely filed (taking into account all applicable extensions) all
Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and
complete in all material respects. Neither Parent nor any of its Subsidiaries is the beneficiary of any extension of time within which
to file any Tax Return (other than extensions to file Tax Returns obtained in the ordinary course). All Taxes of Parent and its Subsidiaries
(whether or not shown on any Tax Returns) that are due have been fully and timely paid. Each of Parent and its Subsidiaries has withheld
and paid all material Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor,
shareholder, independent contractor or other third party. Neither Parent nor any of its Subsidiaries has granted any extension or waiver
of the limitation period applicable to any material Tax that remains in effect. Neither Parent nor any of its Subsidiaries has received
written notice of assessment or proposed assessment in connection with any material amount of Taxes, and there are no threatened (in
writing) or pending disputes, claims, audits, examinations or other proceedings regarding any material Tax of Parent and its Subsidiaries
or the assets of Parent and its Subsidiaries. Neither Parent nor any of its Subsidiaries is a party to or is bound by any Tax sharing,
allocation or indemnification agreement or arrangement (other than such an agreement or arrangement exclusively between or among Parent
and its Subsidiaries). Neither Parent nor any of its Subsidiaries (a)&nbsp;has been a member of an affiliated group filing a consolidated
federal income Tax Return (other than a group the common parent of which is or was Parent) or (b)&nbsp;has any liability for the Taxes
of any person (other than Parent or any of its Subsidiaries) under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision
of state, local or foreign law), as a transferee or successor, by contract or otherwise. Neither Parent nor any of its Subsidiaries has
been, within the past two (2)&nbsp;years, a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled corporation&rdquo; (within
the meaning of Section&nbsp;355(a)(1)(A)&nbsp;of the Code) in a distribution of stock intending to qualify for tax-free treatment under
Section&nbsp;355 of the Code. Neither Parent nor any of its Subsidiaries has participated in a &ldquo;reportable transaction&rdquo; within
the meaning of Treasury Regulations Section&nbsp;1.6011-4(b)(1). At no time during the past five (5)&nbsp;years has Parent been a United
States real property holding corporation within the meaning of Section&nbsp;897(c)(2)&nbsp;of the Code.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Compliance
with Applicable Law</U>. Parent and each of its Subsidiaries hold, and have held at all times since January&nbsp;1, 2021, all licenses,
franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective
properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith),
except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization
(nor the failure to pay any fees or assessments) would, either individually or in the aggregate, have a Material Adverse Effect on Parent.
No suspension or cancellation of any such necessary license, franchise, permit or authorization that is material to the business of Parent
and its Subsidiaries (taken as a whole) is pending or, to the knowledge of the Parent, threatened. Parent and each of its Subsidiaries
have complied in all material respects with and are not in material default or violation under any, applicable law, statute, order, rule,
regulation, policy and/or guideline of any Governmental Entity relating to Parent or any of its Subsidiaries, including, without limitation,
all laws related to data protection or privacy, the USA PATRIOT Act, any laws, regulations or sanctions administered by the Office of
Foreign Assets Control of the United States Treasury Department, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation
B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z, the
Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform
and Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the Interagency Policy Statement
on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act
and Regulation X, and any other law relating to bank secrecy, discriminatory lending, financing or leasing practices, money laundering
prevention, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, and all agency requirements relating to the origination,
sale and servicing of mortgage and consumer loans, except for violations or defaults that have not had, and would not have, either individually
or in the aggregate, a Material Adverse Effect on Parent. Each of its Subsidiaries that is an insured depository institution has a Community
Reinvestment Act rating of &ldquo;satisfactory&rdquo; or better. To the knowledge of Parent, none of Parent, or its Subsidiaries, any
director, officer, employee, agent or other person acting on behalf of Parent or any of its Subsidiaries has, directly or indirectly,
(a)&nbsp;used any funds of Parent or any of its Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other
expenses relating to political activity, (b)&nbsp;made any unlawful payment to foreign domestic governmental officials or employees or
to foreign or domestic political parties or campaigns from funds of Parent or any of its Subsidiaries, (c)&nbsp;violated any provision
that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (d)&nbsp;established
or maintained any unlawful fund of monies or other assets of Parent or any of its Subsidiaries, (e)&nbsp;made any fraudulent entry on
the books or records of Parent or any of its Subsidiaries, or (f)&nbsp;made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful
influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether in money,
property or services, to obtain favorable treatment in securing business to obtain special concessions for Parent or any of its Subsidiaries,
to pay for favorable treatment for business secured or to pay for special concessions already obtained for Parent or any of its Subsidiaries,
or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury
Department.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Agreements
with Regulatory Agencies</U>. Except as would not be material to the Company and its Subsidiaries, taken as a whole, neither Parent nor
any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written
agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or
is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January&nbsp;1, 2021,
a recipient of any supervisory letter from, or since January&nbsp;1, 2021, has adopted any policies, procedures or board resolutions
at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the
conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk
management policies, its management or its business (each, whether or not set forth in the Parent Disclosure Schedule, a &ldquo;<U>Parent
Regulatory Agreement</U>&rdquo;), nor has Parent or any of its Subsidiaries been advised in writing or, to the knowledge of Parent, otherwise
since January&nbsp;1, 2021, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering
or requesting any such Parent Regulatory Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.12</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Reorganization</U>.
Parent has not taken any action and is not aware of the existence of any fact or circumstance that could reasonably be expected to prevent
or impede the Merger from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a)&nbsp;of the Code.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.13</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Parent
Information</U>. The information relating to Parent and its Subsidiaries to be contained in the Proxy Statement and the S-4, and the
information relating to Parent and its Subsidiaries that is provided by Parent or its representatives for inclusion in any other document
filed with any other Regulatory Agency in connection herewith, will not contain any untrue statement of a material fact or omit to state
a material fact necessary to make the statements therein, in light of the circumstances in which they are made, not misleading. The Proxy
Statement (except for such portions thereof that relate only to the Company or any of its Subsidiaries) will comply in all material respects
with the provisions of the Exchange Act and the rules&nbsp;and regulations thereunder. The S-4 (except for such portions thereof that
relate only to the Company or any of its Subsidiaries) will comply in all material respects with the provisions of the Securities Act
and the rules&nbsp;and regulations thereunder. Notwithstanding the foregoing, no representation or warranty is made by Parent with respect
to statements made or incorporated by reference therein based on information provided or supplied by or on behalf of the Company or its
Subsidiaries for inclusion in the Proxy Statement or the S-4.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.14</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Other Representations or Warranties</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
for the representations and warranties made by Parent in this <U>Article&nbsp;IV</U>, neither Parent nor any other person makes any express
or implied representation or warranty with respect to Parent, its Subsidiaries, or their respective businesses, operations, assets, liabilities,
conditions (financial or otherwise) or prospects, and Parent hereby disclaims any such other representations or warranties. In particular,
without limiting the foregoing disclaimer, neither Parent nor any other person makes or has made any representation or warranty to the
Company or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or
prospective information relating to Parent, any of its Subsidiaries or their respective businesses, or (ii)&nbsp;except for the representations
and warranties made by Parent in this <U>Article&nbsp;IV</U>, any oral or written information presented to the Company or any of its
affiliates or representatives in the course of their due diligence investigation of Parent, the negotiation of this Agreement or in the
course of the transactions contemplated hereby.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Parent
acknowledges and agrees that neither the Company nor any other person on behalf of the Company has made or is making, and Parent has
not relied upon, any express or implied representation or warranty other than those contained in <U>Article&nbsp;III</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;V</B></FONT></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"><FONT STYLE="text-transform: uppercase"><B>COVENANTS
RELATING TO CONDUCT OF BUSINESS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conduct
of Business Prior to the Effective Time</U>. During the period from the date of this Agreement to the Effective Time or earlier termination
of this Agreement, except as expressly contemplated or permitted by this Agreement (including as expressly set forth in Section&nbsp;5.1
or Section&nbsp;5.2 of the Company Disclosure Schedule), required by law or any Governmental Entity or as consented to in writing by
the other party (such consent not to be unreasonably withheld, conditioned or delayed), each party shall, and shall cause each of its
Subsidiaries to, (a)&nbsp;use commercially reasonable efforts to conduct its respective businesses in the ordinary course in all material
respects consistent with past practices and maintain and preserve intact its business organization, employees and advantageous business
relationships, and (b)&nbsp;take no action that would reasonably be expected to adversely affect or materially delay the ability to obtain
any necessary approvals of any Regulatory Agency or other Governmental Entity required for the transactions contemplated hereby or to
consummate the transactions contemplated hereby on a timely basis.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
Forbearances</U>. During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except
as set forth in Section&nbsp;5.2 of the Company Disclosure Schedule, as expressly contemplated or permitted by this Agreement or as required
by law or any Governmental Entity, the Company shall not, and shall not permit any of its Subsidiaries to, without the prior written
consent of Parent (such consent not to be unreasonably withheld, conditioned or delayed):</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">incur
any indebtedness for borrowed money (other than indebtedness of the Company or any of its wholly owned Subsidiaries to the Company or
any of its Subsidiaries), assume, guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any other
individual, corporation or other entity (it being understood and agreed that incurrence of indebtedness in the ordinary course of business
in connection with the creation of deposit liabilities, issuance of letters of credit, purchases of federal funds, borrowings from the
Federal Home Loan Bank, sales of certificates of deposits, and entry into repurchase agreements shall not be prohibited by this <U>Section&nbsp;5.2</U>);</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">adjust,
split, combine or reclassify any capital stock;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">make,
declare or pay any dividend, or make any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any
shares of its capital stock or any securities or obligations convertible (whether currently convertible or convertible only after the
passage of time or the occurrence of certain events) into or exchangeable for any shares of its capital stock (except (A)&nbsp;dividends
paid by any of the Subsidiaries of the Company to the Company or any of its wholly owned Subsidiaries, (B)&nbsp;subject to <U>Section&nbsp;6.9</U>,
regular quarterly cash dividends on shares of Company Common Stock of $0.11 per share and corresponding dividends or dividend equivalents
in respect of Company Equity Awards or (C)&nbsp;the acceptance of shares of Company Common Stock as payment for the exercise price or
withholding Taxes incurred in connection with the exercise, vesting or settlement of Company Equity Awards);</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">grant
any stock options, stock appreciation rights, performance shares, restricted stock units, restricted shares or other equity-based awards
or interests, or grant any individual, corporation or other entity any right to acquire any shares of its capital stock; or</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">issue,
sell or otherwise permit to become outstanding any additional shares of capital stock or securities convertible or exchangeable into,
or exercisable for, any shares of its capital stock or any options, warrants, or other rights of any kind to acquire any shares of capital
stock, except pursuant to the settlement of Company Equity Awards in accordance with their terms;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">sell,
transfer, mortgage, encumber or otherwise dispose of any of its material properties or assets or any business to any person other than
a wholly owned Subsidiary, or cancel, release or assign any indebtedness of any such person or any claims against any such person, in
each case other than in the ordinary course of business, including any debt collection or foreclosure transactions, or pursuant to contracts
or agreements in force at the date of this Agreement;</FONT></P>

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

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">except
for transactions in the ordinary course of business (including by way of foreclosure or acquisitions of control in a fiduciary or similar
capacity or in satisfaction of debts previously contracted), make any material investment either by purchase of stock or securities,
contributions to capital, property transfers, or purchase of any property or assets of any person other than a wholly owned Subsidiary
of the Company;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">except
in the ordinary course of business (i)&nbsp;terminate, materially amend, or waive any material provision of, any Company Contract; make
any change in any instrument or agreement governing the terms of any of its securities, or material lease or contract, other than normal
renewals of contracts and leases without material adverse changes of terms with respect to the Company, (ii)&nbsp;or enter into any contract
that would constitute a Company Contract if it were in effect on the date of this Agreement;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">except
as contemplated by the terms of any Company Benefit Plan, (i)&nbsp;enter into, adopt, materially amend or terminate any Company Benefit
Plan or arrangement that would be a Company Benefit Plan if in effect on the date hereof, other than in the ordinary course of business
with respect to employees other than the executive officers of the Company (a &ldquo;<U>Key Employee</U>&rdquo;), (ii)&nbsp;increase
the compensation, severance or benefits payable to any Key Employee, other than increases in base salary or wage rate in the ordinary
course of business consistent with past practice up to the percentage set forth in Section&nbsp;5.2(f)&nbsp;of the Company Disclosure
Schedule, (iii)&nbsp;accelerate the vesting of any equity-based awards or other compensation, (iv)&nbsp;fund any rabbi trust or similar
arrangement, (v)&nbsp;terminate the employment or services of any Key Employee, other than for cause, or (vi)&nbsp;hire any Key Employee,
other than as a replacement hire receiving substantially similar terms of employment;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">except
for debt workouts in the ordinary course of business, settle any material claim, suit, action or proceeding, except involving solely
monetary remedies in an amount individually and in the aggregate that is not material to the Company or Parent or their Subsidiaries,
as applicable, and that would not impose any material restriction on the business of it or its Subsidiaries or, after the consummation
of the Merger, Parent and its Subsidiaries;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">take
any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent or impede
the Merger from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a)&nbsp;of the Code;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">amend
the Company Charter or Company Bylaws or comparable governing documents of its Subsidiaries;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">merge
or consolidate itself or any of its Subsidiaries with any other person, or restructure, reorganize or completely or partially liquidate
or dissolve it or any such Subsidiaries;</FONT></P>

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">other
than in prior consultation with Parent, materially restructure or materially change its investment securities or derivatives portfolio
or its interest rate exposure, through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported
or purchase any security rated below investment grade, except as may be required by GAAP or by applicable laws, regulations, guidelines
or policies imposed by any Governmental Entity or requested by a Governmental Entity;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">take
any action that is intended or expected to result in any of the conditions to the Merger set forth in <U>Section&nbsp;7.1</U> or <U>Section&nbsp;7.2
</U>not being satisfied;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">implement
or adopt any material change in its accounting principles, practices or methods, other than as may be required by GAAP or by applicable
laws, regulations, guidelines or policies imposed by any Governmental Entity;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">enter
into any material new line of business or change in any material respect its lending, investment, underwriting, risk and asset liability
management and other banking and operating, securitization and servicing policies (including Company Bank&rsquo;s credit policy or any
change in the maximum ratio or similar limits as a percentage of its capital applicable with respect to its loan portfolio or any segment
thereof, except, in each case, as required by applicable law, regulation or policies imposed by any Governmental Entity);</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">make,
or commit to make, any capital expenditures (other than those set forth in the Company&rsquo;s capital budget which has been made available
to Parent) in excess of $100,000 individually or $250,000 in the aggregate;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(p)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">other
than in consultation with Parent, make, change or revoke any material Tax election, change an annual Tax accounting period, adopt or
change any material Tax accounting method, file any amended material Tax Return, enter into any closing agreement with respect to Taxes,
or settle any material Tax claim, audit, assessment or dispute or surrender any material right to claim a refund of Taxes;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(q)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">agree
to take, make any commitment to take, or adopt any resolutions of its board of directors or similar governing body in support of, any
of the actions prohibited by this <U>Section&nbsp;5.2.</U></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(r)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">other
than in consultation with Parent, undertake any response, action, or customer or public communication with regard to (i)&nbsp;any event
resulting in unauthorized access to or the disruption or misuse of an information system or information stored on an information system,
including but not limited to such information pertaining to the Company&rsquo;s or its Subsidiaries&rsquo; customers, or (ii)&nbsp;any
ransomware event; or</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(s)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">other
than in consultation with Parent, schedule, conduct, or participate in any earnings calls or analyst meetings.</FONT></P>

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

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

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<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"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Parent
Forbearances</U>. During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except
as set forth in Section&nbsp;5.3 of the Parent Disclosure Schedule, as expressly contemplated or permitted by this Agreement or as required
by law or any Governmental Entity, Parent shall not, and shall not permit any of its Subsidiaries (to the extent applicable below) to,
without the prior written consent of Company (such consent not to be unreasonably withheld, conditioned or delayed):</FONT></P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">amend
the Parent Articles or the Parent Bylaws in a manner that would materially and adversely affect the holders of Company Common Stock,
or adversely affect the holders of Company Common Stock relative to other holders of Parent Common Stock;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">(i)&nbsp;adjust,
split, combine or reclassify any capital stock of Parent, or (ii)&nbsp;make, declare or pay any extraordinary dividend, or make any
other extraordinary distribution on, any shares of Parent Common Stock; </FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">merge
or consolidate itself or any of its Subsidiaries that are &ldquo;significant subsidiaries&rdquo; within the meaning of Rule&nbsp;1-02
of Regulation S-X of the SEC with any other person, or restructure, reorganize or completely or partially liquidate or dissolve itself
or any such Subsidiaries;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">enter
into agreements with respect to, or consummate, any mergers or business combinations, or any acquisition of any other person or business
that would reasonably be expected to prevent, impede or materially delay the consummation of the Merger;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">take
any action that is intended or expected to result in any of the conditions to the Merger set forth in <U>Section&nbsp;7.1</U> or <U>Section&nbsp;7.3
</U>not being satisfied;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">take
any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent or impede
the Merger from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a)&nbsp;of the Code; or</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">agree
to take, make any commitment to take, or adopt any resolutions of its board of directors or similar governing body in support of, any
of the actions prohibited by this <U>Section&nbsp;5.3</U>.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Regulatory
Matters</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Parent
and the Company shall promptly prepare, and Parent shall file with the SEC, the S-4 (not later than sixty (60) days following the date
of this Agreement), in which the Proxy Statement will be included as a prospectus. Each of Parent and the Company shall use its reasonable
best efforts to have the S-4 declared effective under the Securities Act as promptly as practicable after such filing and to keep the
S-4 effective for so long as necessary to consummate the transactions contemplated by this Agreement, and the Company shall thereafter
as promptly as practicable mail or deliver the Proxy Statement to its shareholders. Parent shall also use its reasonable best efforts
to obtain all necessary state securities law or &ldquo;Blue Sky&rdquo; permits and approvals required to carry out the transactions contemplated
by this Agreement, and the Company shall furnish all information concerning the Company and the holders of Company Common Stock as may
be reasonably requested in connection with any such action.</FONT></P>

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

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
parties hereto shall cooperate with each other and use their reasonable best efforts to promptly prepare and file, or cause to be prepared
and filed, all necessary documentation, to effect all applications, notices, petitions and filings, to obtain as promptly as practicable
all permits, consents, approvals and authorizations of all third parties and Regulatory Agencies and Governmental Entities which are
necessary or advisable to consummate the transactions contemplated by this Agreement (including the Merger and the Bank Merger), and
to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such Regulatory Agencies and
Governmental Entities. Without limiting the generality of the foregoing, as soon as practicable and in no event later than thirty (30)
business days after the date of this Agreement, Parent and the Company shall, and shall cause their respective Subsidiaries to, each
prepare and file any applications, notices and filings required to be filed with any bank regulatory agency in order to obtain the Requisite
Regulatory Approvals. Parent and the Company shall each use, and shall each cause their applicable Subsidiaries to use, reasonable best
efforts to obtain each such Requisite Regulatory Approval as promptly as reasonably practicable. Parent and the Company shall have the
right to review in advance, and, to the extent practicable, each will consult the other on, in each case subject to applicable laws relating
to the exchange of information, all the information relating to the Company or Parent, as the case may be, and any of their respective
Subsidiaries, which appears in any filing made with, or written materials submitted to, any third party or any Governmental Entity in
connection with the transactions contemplated by this Agreement. In exercising the foregoing right, each of the parties hereto shall
act reasonably and as promptly as practicable. The parties hereto agree that they will consult with each other with respect to the obtaining
of all permits, consents, approvals and authorizations of all third parties and Governmental Entities necessary or advisable to consummate
the transactions contemplated by this Agreement and each party will keep the other apprised of the status of matters relating to completion
of the transactions contemplated hereby. Each party shall consult with the other in advance of any meeting or conference with any Governmental
Entity in connection with the transactions contemplated by this Agreement and to the extent permitted by such Governmental Entity, give
the other party and/or its counsel the opportunity to attend and participate in such meetings and conferences and provided that each
party shall promptly advise the other party with respect to substantive matters that are addressed in any meeting or conference with
any Governmental Entity which the other party does not attend or participate in, to the extent permitted by such Governmental Entity
and applicable law.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
furtherance and not in limitation of the foregoing, each of Parent and the Company shall use its reasonable best efforts to resolve any
objection that may be asserted by any Governmental Entity with respect to this Agreement or the transactions contemplated hereby. Notwithstanding
the foregoing, nothing contained in this Agreement shall be deemed to require Parent or the Company to take any action, or commit to
take any action, or agree to any condition or restriction that would reasonably be expected to have a Material Adverse Effect on Parent
and its Subsidiaries, taken as a whole, after giving effect to the Merger (measured on a scale relative to the Company and its Subsidiaries,
taken as a whole) (a &ldquo;<U>Materially Burdensome Regulatory Condition</U>&rdquo;).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Parent
and the Company shall, upon request, furnish each other with all information concerning themselves, their Subsidiaries, directors, officers
and shareholders and such other matters as may be reasonably necessary or advisable in connection with the Proxy Statement, the S-4 and
any other statement, filing, notice or application made by or on behalf of Parent, the Company or any of their respective Subsidiaries
to any Governmental Entity in connection with the Merger, the Bank Merger and the other transactions contemplated by this Agreement.</FONT></P>

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

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
the extent permitted by applicable law, Parent and the Company shall promptly advise each other upon receiving any communication from
any Governmental Entity whose consent or approval is required for consummation of the transactions contemplated by this Agreement that
causes such party to believe that there is a reasonable likelihood that any Requisite Regulatory Approval will not be obtained or that
the receipt of any such approval will be materially delayed. As used in this Agreement, the &ldquo;<U>Requisite Regulatory Approvals</U>&rdquo;
shall mean all regulatory authorizations, consents, orders or approvals (and the expiration or termination of all statutory waiting periods
in respect thereof) from (i)&nbsp;the Federal Reserve Board, the Office of the Comptroller of the Currency and the Tennessee Department
of Financial Institutions (ii)&nbsp;any other approvals set forth in <U>Sections&nbsp;3.4</U> and <U>4.4</U> that are necessary to consummate
the transactions contemplated by this Agreement, including the Merger and the Bank Merger, or those other authorizations, consents, orders
or approvals the failure of which to be obtained would reasonably be expected to have, either individually or in the aggregate, a Material
Adverse Effect on Parent and its Subsidiaries, taken as a whole, after giving effect to the Merger.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Access
to Information</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Upon
reasonable notice and subject to applicable laws, for the purposes of verifying the representations and warranties of the Company and
preparing for the Merger and the other matters contemplated by this Agreement, the Company shall, and shall cause each of its Subsidiaries
to, afford to the officers, employees, accountants, counsel, advisors and other representatives of the Parent, access, during normal
business hours during the period prior to the Effective Time, to all its properties, books, contracts, commitments, personnel, information
technology systems, and records, and each shall cooperate with the other party in preparing to execute after the Effective Time conversion
or consolidation of systems and business operations generally, and, during such period, the Company shall, and shall cause its Subsidiaries
to, make available to Parent (i)&nbsp;a copy of each report, schedule, registration statement, comment letter and other document filed
or received by it during such period pursuant to the requirements of federal securities laws or federal or state banking laws (other
than reports or documents that the Company is not permitted to disclose under applicable law), and (ii)&nbsp;all other information concerning
its business, properties and personnel as Parent may reasonably request. The Company and its respective Subsidiaries shall not be required
to provide access to or to disclose information where such access or disclosure would violate or prejudice the rights of the Company&rsquo;s,
customers, jeopardize the attorney-client privilege of the institution in possession or control of such information (after giving due
consideration to the existence of any common interest, joint defense or similar agreement between the parties) or contravene any law,
rule, regulation, order, judgment, decree, fiduciary duty or binding agreement entered into prior to the date of this Agreement. The
parties hereto will make appropriate substitute disclosure arrangements under circumstances in which the restrictions of the preceding
sentence apply.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
of Parent and the Company shall hold all information furnished by or on behalf of the other party or any of such party&rsquo;s Subsidiaries
or representatives pursuant to <U>Section&nbsp;6.2(a)</U>&nbsp;in confidence to the extent required by, and in accordance with, the provisions
of the confidentiality agreement, dated September&nbsp;22, 2023, between Parent and the Company (the &ldquo;<U>Confidentiality Agreement</U>&rdquo;).</FONT></P>

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

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">No
investigation by either of the parties or their respective representatives shall affect or be deemed to modify or waive the representations
and warranties of the other set forth herein. Nothing contained in this Agreement shall give either party, directly or indirectly, the
right to control or direct the operations of the other party prior to the Effective Time. Prior to the Effective Time, each party shall
exercise, consistent with the terms and conditions of this Agreement, complete control and supervision over its and its Subsidiaries&rsquo;
respective operations.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Approvals
of Company Shareholders</U>. The Company shall call, give notice of, establish a record date, convene and hold a meeting of its shareholders
(&ldquo;<U>Company Meeting</U>,&rdquo;) as soon as reasonably practicable, but in no event later than sixty (60) days, after the S-4
is declared effective for the purpose of obtaining the Requisite Company Vote required in connection with this Agreement and the Merger
and, if so desired and mutually agreed, upon other matters of the type customarily brought before an annual or special meeting of shareholders
to approve a merger agreement. The Company shall use its reasonable best efforts to obtain from its shareholders the Requisite Company
Vote, including by communicating to its shareholders the recommendation of its Board of Directors (and including such recommendation
in the Proxy Statement) that they approve this Agreement and the transactions contemplated hereby and soliciting proxies from the Company&rsquo;s
shareholders in favor of the Company Merger. However, subject to <U>Section&nbsp;8.1</U> and <U>Section&nbsp;8.2</U>, if the Board of
Directors of the Company, because of the receipt of an Acquisition Proposal which the Board of Directors of the Company concludes in
good faith constitutes a Superior Proposal, determines in good faith that it would be more likely than not to result in a violation of
its fiduciary duties under applicable law to continue to recommend this Agreement, then in submitting this Agreement, the Board of Directors
of the Company may (but shall not be required to) submit this Agreement to its shareholders without recommendation (although the resolutions
approving this Agreement as of the date hereof may not be rescinded or amended), in which event the Board of Directors of the Company
may communicate the basis for its lack of a recommendation to its shareholders in the Proxy Statement or an appropriate amendment or
supplement thereto to the extent required by law; <U>provided</U> that the Board of Directors of the Company may not take any of the
actions under this sentence unless (i)&nbsp;it gives Parent at least ten (10)&nbsp;business days&rsquo; prior written notice of its intention
to take such action and a reasonable description of the event or circumstances giving rise to its determination to take such action (including,
in the event such action is taken in response to an Acquisition Proposal, the latest material terms and conditions of, and the identity
of the third party making, any such Acquisition Proposal, or any amendment or modification thereof, or describe in reasonable detail
such other event or circumstances) and (ii)&nbsp;at the end of such notice period, the Board of Directors of the Company takes into account
any amendment or modification to this Agreement proposed by Parent and after receiving the advice of its outside counsel, and, with respect
to financial matters, its financial advisor, determines in good faith that it would nevertheless be more likely than not to result in
a violation of its fiduciary duties under applicable law to continue to recommend this Agreement. &ldquo;Superior Proposal&rdquo; means
a bona fide written Acquisition Proposal which the Board of Directors of the Company concludes in good faith to be more favorable from
a financial point of view to its shareholders than the Merger and the transactions contemplated hereby (1)&nbsp;after receiving the advice
of its financial advisor, (2)&nbsp;after taking into account the likelihood of consummation of the proposed transaction on the terms
set forth therein (as compared to, and with due regard for, the terms herein) and (3)&nbsp;after taking into account all legal (with
the advice of outside counsel), financial (including the financing terms of any such proposal), regulatory (including the advice of outside
counsel regarding the potential for regulatory approval of any such proposal) and other aspects of such proposal and any other relevant
factors permitted under applicable law; provided that for purposes of the definition of &ldquo;<U>Superior Proposal</U>&rdquo;, the references
to twenty five percent (25%) in the definition of Acquisition Proposal shall be deemed to be references to fifty one percent (51%) or
more. Any material amendment to any Acquisition Proposal will be deemed to be a new Acquisition Proposal for purposes of this <U>Section&nbsp;6.3
</U>and will require a new notice period as referred to in this <U>Section&nbsp;6.3</U>. The Company shall adjourn or postpone the Company
Meeting if, as of the time for which such meeting is originally scheduled there are insufficient shares of Company Common Stock represented
(either in person or by proxy) to constitute a quorum necessary to conduct the business of such meeting, or if on the date of such meeting
the Company has not received proxies representing a sufficient number of shares necessary to obtain the Requisite Company Vote. Notwithstanding
anything to the contrary herein, unless this Agreement has been terminated in accordance with its terms, the Company Meeting shall be
convened and this Agreement shall be submitted to the shareholders of the Company at the Company Meeting for the purpose of voting on
the approval of such proposal and the other matters contemplated hereby, and nothing contained herein shall be deemed to relieve the
Company of such obligation.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Legal
Conditions to Merger</U>. Subject in all respects to <U>Section&nbsp;6.1</U> of this Agreement, each of Parent and the Company shall,
and shall cause its Subsidiaries to, use their reasonable best efforts (a)&nbsp;to take, or cause to be taken, all actions necessary,
proper or advisable to comply promptly with all legal and regulatory requirements that may be imposed on such party or its Subsidiaries
with respect to the Merger and the Bank Merger and, subject to the conditions set forth in <U>Article&nbsp;VII</U>, to consummate the
transactions contemplated by this Agreement, and (b)&nbsp;to obtain (and to cooperate with the other party to obtain) any material consent,
authorization, order or approval of, or any exemption by, any Governmental Entity and any other third party that is required to be obtained
by the Company or Parent or any of their respective Subsidiaries in connection with the Merger, the Bank Merger and the other transactions
contemplated by this Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Stock
Exchange Listing</U>. Parent shall cause the shares of Parent Common Stock to be issued in the Merger to be approved for listing on the
Nasdaq Stock Exchange, subject to official notice of issuance, prior to the Effective Time.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Employee
Matters</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Unless
otherwise agreed by Parent and Company, Parent shall make available to each officer or employee of the Company or any Company Subsidiary
who continues as an officer or employee of Parent or any Parent Subsidiary after the Effective Time (collectively, &ldquo;<U>Continuing
Employees</U>&rdquo;) for at least one year following the Effective Time (i)&nbsp;a base salary or base wage rate, as applicable, that
is no less favorable than the base salary or base wage rate, as applicable, provided by the Company or its Subsidiaries to such Continuing
Employee immediately prior to the Effective Time; and (ii)&nbsp;short-term and long-term incentive compensation target opportunities
and other compensation and employee benefits that, in each case, are no less favorable than is provided by Parent to similarly situated
officers and employees. Without limiting the generality of the foregoing, to the extent that Parent determines, in its sole discretion,
that the Company Benefit Plans should be terminated, Continuing Employees eligible for participation in such terminated Company Benefit
Plans shall become eligible to participate in the corresponding Parent employee benefit plans as soon as reasonably practicable after
such termination. Without limiting any other provision of this <U>Section&nbsp;6.6(a)</U>, Parent shall, or shall cause one of its Subsidiaries
to, provide to each Continuing Employee whose employment terminates during the one (1)-year period following the Closing Date with severance
benefits pursuant to Parent&rsquo;s existing severance pay plan that are no less favorable than those offered to similarly situated employees
of Parent.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Unless
otherwise agreed to by Parent and Company, on or prior to the Effective Time, Company and Company Subsidiaries shall, subject to the
occurrence of the Effective Time and to the extent permitted by the terms of the applicable plan, terminate any ongoing performance periods
under all incentive and/or bonus plans and pay out the accrued benefits as of the Closing Date based on the greater of (i)&nbsp;the target
opportunity and (ii)&nbsp;actual performance with respect to pro rata performance metrics.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">With
respect to any employee benefit plans of Parent or its Subsidiaries in which any Continuing Employees become eligible to participate
on or after the Effective Time (the &ldquo;<U>New Plans</U>&rdquo;), Parent shall: (i)&nbsp;use commercially reasonable efforts to waive
all pre-existing conditions, exclusions and waiting periods with respect to participation and coverage requirements applicable to such
employees and their eligible dependents under any New Plans, except to the extent such pre-existing conditions, exclusions or waiting
periods would apply under the analogous Company Benefit Plan; (ii)&nbsp;provide each such employee and their eligible dependents with
credit for any eligible expenses incurred by such employee or dependent prior to the Effective Time under a Company Benefit Plan (to
the same extent that such credit was given under the analogous Company Benefit Plan prior to the Effective Time) in satisfying any applicable
deductible, co-payment or out-of-pocket requirements under any New Plans that provide health care benefits; and (iii)&nbsp;recognize
all service of such employees with the Company and its Subsidiaries for all purposes in any New Plan to the same extent that such service
was taken into account under the analogous Company Benefit Plan prior to the Effective Time; <U>provided</U> that the foregoing service
recognition shall not apply to the extent it would result in duplication of benefits for the same period of services.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
requested by Parent in writing at least twenty (20) business days prior to the Effective Time, the Company shall cause any 401(k)&nbsp;plan
sponsored or maintained by the Company or any of its Subsidiaries (a &ldquo;<U>Company 401(k)&nbsp;Plan</U>&rdquo;) to be terminated
effective as of the day immediately prior to the Effective Time and contingent upon the occurrence of the Closing. If Parent requests
that any Company 401(k)&nbsp;Plan be terminated, (i)&nbsp;Company shall provide Parent with evidence that such plan has been terminated
not later than two (2)&nbsp;business days immediately preceding the Effective Time, and (ii)&nbsp;the Continuing Employees shall be eligible
to participate, effective as of the Effective Time, in a 401(k)&nbsp;plan sponsored or maintained by Parent or one of its Subsidiaries
(a &ldquo;<U>Parent 401(k)&nbsp;Plan</U>&rdquo;). The Company and Parent shall take any and all actions as may be required to permit
the Continuing Employees who are then actively employed to make rollover contributions to the Parent 401(k)&nbsp;Plan of &ldquo;eligible
rollover distributions&rdquo; (with the meaning of Section&nbsp;401(a)(31) of the Code) in the form of cash, notes (in the case of loans)
or a combination thereof. Prior to the Effective Time, the Company or its Subsidiaries may make an employer contribution (at a level
determined in the ordinary course of business consistent with past practice) to any Company 401(k)&nbsp;Plan for the year in which the
Effective Time occurs or any prior year.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Nothing
in this Agreement shall confer upon any employee, director or consultant of the Company or any of its Subsidiaries or affiliates any
right to continue in the employ or service of Parent, the Company, or any Subsidiary or affiliate thereof, or shall interfere with or
restrict in any way the rights of the Company, Parent or any Subsidiary or affiliate thereof to discharge or terminate the services of
any employee, director or consultant of the Company or any of its Subsidiaries or affiliates at any time for any reason whatsoever, with
or without cause. Nothing in this Agreement shall be deemed to (i)&nbsp;establish, amend, or modify any Company Benefit Plan, New Plan
or any other benefit or employment plan, program, agreement or arrangement, or (ii)&nbsp;alter or limit the ability of Parent or any
of its Subsidiaries or affiliates to amend, modify or terminate any particular Company Benefit Plan, New Plan or any other benefit or
employment plan, program, agreement or arrangement after the Effective Time. Without limiting the generality of <U>Section&nbsp;9.11</U>,
nothing in this Agreement, express or implied, is intended to or shall confer upon any person, including, without limitation, any current
or former employee, director or consultant of the Company or any of its Subsidiaries or affiliates, any right, benefit or remedy of any
nature whatsoever under or by reason of this Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Indemnification;
Directors&rsquo; and Officers&rsquo; Insurance</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">From
and after the Effective Time, Parent shall indemnify and hold harmless, to the fullest extent permitted by applicable law, each present
and former director and officer of the Company and its Subsidiaries (in each case, when acting in such capacity) (collectively, the &ldquo;<U>Company
Indemnified Parties</U>&rdquo;) against any costs or expenses (including reasonable attorneys&rsquo; fees), judgments, fines, losses,
damages or liabilities incurred in connection with any threatened or actual claim, action, suit, proceeding or investigation, whether
civil, criminal, administrative or investigative, whether arising before or after the Effective Time, arising in whole or in part out
of, or pertaining to, the fact that such person is or was a director or officer of the Company or any of its Subsidiaries or is or was
serving at the request of the Company or any of its Subsidiaries as a director or officer of another person and pertaining to matters,
acts or omissions existing or occurring at or prior to the Effective Time, including matters, acts or omissions occurring in connection
with the approval of this Agreement and the transactions contemplated by this Agreement; and Parent shall also advance expenses as incurred
by such Company Indemnified Party to the fullest extent permitted by applicable law; <U>provided</U> that the Company Indemnified Party
to whom expenses are advanced provides an undertaking to repay such advances if it is ultimately determined that such Company Indemnified
Party is not entitled to indemnification. Parent shall reasonably cooperate with the Company Indemnified Party, and the Company Indemnified
Party shall reasonably cooperate with Parent, in the defense of any such claim, action, suit, proceeding or investigation.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">For
a period of six (6)&nbsp;years after the Effective Time, Parent shall maintain in effect the current policies of directors&rsquo; and
officers&rsquo; liability insurance maintained by the Company (<U>provided</U> that Parent may substitute therefor policies with a substantially
comparable insurer of at least the same coverage and amounts containing terms and conditions which are no less advantageous to the insured)
with respect to claims against the present and former officers and directors of the Company or any of its Subsidiaries arising from facts
or events which occurred at or before the Effective Time (including the transactions contemplated by this Agreement); <U>provided</U>
that Parent shall not be obligated to expend, on an annual basis, an amount in excess of 300% of the current annual premium paid as of
the date hereof by the Company for such insurance (the &ldquo;<U>Premium Cap</U>&rdquo;), and if such premiums for such insurance would
at any time exceed the Premium Cap, then Parent shall cause to be maintained policies of insurance which provide the maximum coverage
available at an annual premium equal to the Premium Cap. In lieu of the foregoing, the Company may, in consultation with Parent, obtain
at or prior to the Effective Time a six-year &ldquo;tail&rdquo; policy under the Company&rsquo;s existing directors and officers insurance
policy providing equivalent coverage to that described in the preceding sentence if and to the extent that the same may be obtained for
an amount that, in the aggregate, does not exceed the Premium Cap. If Parent or the Company purchases such a &ldquo;tail policy,&rdquo;
Parent shall maintain such &ldquo;tail policy&rdquo; in full force and effect and continue to honor its obligations thereunder.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
obligations of Parent and the Company under this <U>Section&nbsp;6.7</U> shall not be terminated or modified after the Effective Time
in a manner so as to adversely affect any Company Indemnified Party or any other person entitled to the benefit of this <U>Section&nbsp;6.7
</U>without the prior written consent of the affected Company Indemnified Party or affected person.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
provisions of this <U>Section&nbsp;6.7</U> shall survive the Effective Time and are intended to be for the benefit of, and shall be enforceable
by, each Company Indemnified Party and his or her heirs and representatives. If Parent or any of its successors or assigns will consolidate
with or merge into any other entity and not be the continuing or surviving entity of such consolidation or merger, transfer all or substantially
all of its assets or deposits to any other entity or engage in any similar transaction, then in each case to the extent the obligations
set forth in this <U>Section&nbsp;6.7</U> are not otherwise transferred and assumed by such successors and assigns by operation of law
or otherwise, Parent will cause proper provision to be made so that the successors and assigns of Parent will expressly assume the obligations
set forth in this <U>Section&nbsp;6.7</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Additional
Agreements</U>. In case at any time after the Effective Time any further action is necessary or desirable to carry out the purposes of
this Agreement (including any merger between a Subsidiary of Parent, on the one hand, and a Subsidiary of the Company, on the other)
or to vest Parent or the Surviving Corporation with full title to all properties, assets, rights, approvals, immunities and franchises
of any of the parties to the Merger, the proper officers and directors of each party to this Agreement and their respective Subsidiaries
shall take all such necessary action as may be reasonably requested by Parent.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Dividends</U>.
After the date of this Agreement, the Company shall coordinate with the Parent the declaration of any dividends in respect of Company
Common Stock and the record dates and payment dates relating thereto, it being the intention of the parties hereto that holders of Company
Common Stock shall not receive two dividends, or fail to receive one dividend, in any quarter with respect to their shares of Company
Common Stock and any shares of Parent Common Stock any such holder receives in exchange therefor in the Merger.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Advice
of Changes</U>. Parent and the Company (in such capacity, the &ldquo;<U>Notifying Party</U>&rdquo;) shall each promptly advise the other
party of any change, circumstance, condition, occurrence, development, or event (i)&nbsp;that has had or is reasonably likely to have
a Material Adverse Effect on the Notifying Party or (ii)&nbsp;which the Notifying Party believes would or would be reasonably likely
to cause or constitute a material breach of any of the Notifying Party&rsquo;s representations, warranties or covenants contained herein
that reasonably could be expected to give rise, either individually or in the aggregate, to the failure of a condition set forth in,
if Parent is the Notifying Party, <U>Section&nbsp;7.1</U> or <U>Section&nbsp;7.3</U>, or if the Company is the Notifying Party, <U>Section&nbsp;7.1
</U>or <U>Section&nbsp;7.2</U>; <U>provided</U> that any failure to give notice in accordance with the foregoing with respect to any
breach shall not be deemed to constitute a violation of this <U>Section&nbsp;6.10</U> or the failure of any condition set forth in <U>Section&nbsp;7.2
</U>or <U>Section&nbsp;7.3</U> to be satisfied, or otherwise constitute a breach of this Agreement by the party failing to give such
notice, in each case unless the underlying breach would independently result in a failure of the conditions set forth in <U>Section&nbsp;7.2
</U>or <U>Section&nbsp;7.3</U> to be satisfied.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Acquisition
Proposals</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company agrees that it will not, and will cause its Subsidiaries and use its reasonable best efforts to cause its and their officers,
directors, agents, advisors and representatives (collectively, &ldquo;<U>Representatives</U>&rdquo;) not to, directly or indirectly,
(i)&nbsp;initiate, solicit, knowingly encourage or knowingly facilitate inquiries or proposals with respect to any Acquisition Proposal,
(ii)&nbsp;engage or participate in any negotiations with any person concerning any Acquisition Proposal, or (iii)&nbsp;provide any confidential
or nonpublic information or data to, or have or participate in any discussions with, any person relating to any Acquisition Proposal,
except to notify a person that has made or, to the knowledge of the Company, is making any inquiries with respect to, or is considering
making, an Acquisition Proposal, of the existence of the provisions of this <U>Section&nbsp;6.11(a)</U>; <U>provided</U> that, prior
to the approval of this Agreement by the shareholders of the Company by the Requisite Company Vote, in the event the Company receives
an Acquisition Proposal that was not the result of a willful or material breach of this <U>Section&nbsp;6.11(a)</U>, it may, and may
permit its Subsidiaries and its and its Subsidiaries&rsquo; Representatives to, furnish or cause to be furnished nonpublic information
or data and participate in such negotiations or discussions if its Board of Directors concludes in good faith (after receiving the advice
of its outside counsel, and with respect to financial matters, its financial advisor) that failure to take such actions would be more
likely than not to result in a violation of its fiduciary duties under applicable law; <U>provided</U>, <U>further</U>, that, prior to
providing any nonpublic information permitted to be provided pursuant to the foregoing proviso, the Company shall have entered into a
confidentiality agreement with such third party on terms no less favorable to it than the Confidentiality Agreement (an &ldquo;<U>Acceptable
Confidentiality Agreement</U>&rdquo;), which confidentiality agreement shall not provide such person with any exclusive right to negotiate
with the Company. The Company will, and will use its reasonable best efforts to cause its Representatives to, immediately cease and cause
to be terminated any activities, discussions or negotiations conducted before the date of this Agreement with any person other than Parent
with respect to any Acquisition Proposal. The Company shall provide three (3)&nbsp;Business Days written notice to Parent prior to entering
into any Acceptable Confidentiality Agreement. The Company will promptly advise Parent following receipt of any Acquisition Proposal
or any inquiry which could reasonably be expected to lead to an Acquisition Proposal (including the material terms and conditions of,
and the identity of the person making, such inquiry or Acquisition Proposal), and will keep Parent reasonably apprised of any related
developments, discussions and negotiations, including any amendments to or revisions of the material terms of such inquiry or Acquisition
Proposal. The Company shall withdraw and terminate access that was granted to any person (other than the parties to this Agreement and
their respective affiliates and Representatives) to any &ldquo;data room&rdquo; (virtual or physical) that was established in connection
with an Acquisition Proposal.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company shall not, and none of the Board of Directors of the Company or any committee thereof shall cause or permit the Company to, enter
into any letter of intent, memorandum of understanding, agreement in principle, acquisition agreement, merger agreement or other agreement
(other than an Acceptable Confidentiality Agreement) relating to any Acquisition Proposal made to the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">As
used in this Agreement, &ldquo;<U>Acquisition Proposal</U>&rdquo; shall mean, other than the transactions contemplated by this Agreement,
any offer, proposal or inquiry relating to, or any third party indication of interest in, (i)&nbsp;any acquisition or purchase, direct
or indirect, of 25% or more of the consolidated assets of the Company and its Subsidiaries or 25% or more of any class of equity or voting
securities of the Company or its Subsidiaries whose assets, individually or in the aggregate, constitute 25% or more of the consolidated
assets of the Company, (ii)&nbsp;any tender offer (including a self-tender offer) or exchange offer that, if consummated, would result
in such third party beneficially owning 25% or more of any class of equity or voting securities of the Company or its Subsidiaries whose
assets, individually or in the aggregate, constitute 25% or more of the consolidated assets of the Company, or (iii)&nbsp;a merger, consolidation,
share exchange, business combination, reorganization, recapitalization, liquidation, dissolution or other similar transaction involving
the Company or its Subsidiaries whose assets, individually or in the aggregate, constitute 25% or more of the consolidated assets of
the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Nothing
contained in this Agreement shall prevent the Company or its Board of Directors from complying with Rules&nbsp;14d-9 and 14e-2 under
the Exchange Act or Item 1012(a)&nbsp;of Regulation M-A with respect to an Acquisition Proposal or from making any legally required disclosure
to the Company&rsquo;s shareholders; <U>provided</U> that such Rules&nbsp;will in no way eliminate or modify the effect that any action
pursuant to such Rules&nbsp;would otherwise have under this Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.12</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Public
Announcements</U>. Parent and the Company agree that the initial press release with respect to the execution and delivery of this Agreement
shall be a release that is mutually agreed to by the parties. Thereafter, each of the parties agrees that no public release or announcement
or statement concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written
consent of the other party (which consent shall not be unreasonably withheld, conditioned or delayed), except (i)&nbsp;as required by
applicable law or the rules&nbsp;or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is
subject, in which case the party required to make the release or announcement shall consult with the other party about, and allow the
other party reasonable time to comment on, such release or announcement in advance of such issuance or (ii)&nbsp;for such releases, announcements
or statements that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance
with this <U>Section&nbsp;6.12</U>.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.13</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Change
of Method</U>. Parent and the Company shall be empowered, upon their mutual agreement, at any time prior to the Effective Time, to change
the method or structure of effecting the combination of the Company and Parent (including the provisions of <U>Article&nbsp;I</U>), if
and to the extent they both deem such change to be necessary, appropriate or desirable; <U>provided</U> that no such change shall (a)&nbsp;alter
or change the Exchange Ratio, (b)&nbsp;adversely affect the Tax treatment of the Company&rsquo;s shareholders or Parent&rsquo;s shareholders
pursuant to this Agreement, (c)&nbsp;adversely affect the Tax treatment of the Company or Parent pursuant to this Agreement or (d)&nbsp;materially
impede or delay the consummation of the transactions contemplated by this Agreement in a timely manner. The parties agree to reflect
any such change in an appropriate amendment to this Agreement executed by both parties in accordance with <U>Section&nbsp;9.2</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.14</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Takeover
Statutes</U>. Neither the Company nor its Boards of Directors shall take any action that would cause any Takeover Statute to become applicable
to this Agreement, the Merger, or any of the other transactions contemplated hereby, and each shall take all necessary steps to exempt
(or ensure the continued exemption of) the Merger and the other transactions contemplated hereby from any applicable Takeover Statute
now or hereafter in effect. If any Takeover Statute may become, or may purport to be, applicable to the transactions contemplated hereby,
the Company and the members of its Boards of Directors will grant such approvals and take such actions as are necessary so that the transactions
contemplated by this Agreement may be consummated as promptly as practicable on the terms contemplated hereby and otherwise act to eliminate
or minimize the effects of any Takeover Statute on any of the transactions contemplated by this Agreement, including, if necessary, challenging
the validity or applicability of any such Takeover Statute.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.15</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Exemption
from Liability under Section&nbsp;16(b)</U>. The Company and Parent agree that, in order to most effectively compensate and retain those
officers and directors of the Company subject to the reporting requirements of Section&nbsp;16(a)&nbsp;of the Exchange Act (the &ldquo;<U>Company
Insiders</U>&rdquo;), both prior to and after the Effective Time, it is desirable that Company Insiders not be subject to a risk of liability
under Section&nbsp;16(b)&nbsp;of the Exchange Act to the fullest extent permitted by applicable law in connection with the conversion
of shares of Company Common Stock and Company Equity Awards in the Merger, and for that compensatory and retentive purpose agree to the
provisions of this <U>Section&nbsp;6.15</U>. The Board of Directors of Parent and of the Company, or a committee of non-employee directors
thereof (as such term is defined for purposes of Rule&nbsp;16b-3(d)&nbsp;under the Exchange Act), shall prior to the Effective Time take
all such steps as may be required to cause (in the case of the Company) any dispositions of Company Common Stock or Company Equity Awards
by the Company Insiders, and (in the case of Parent) any acquisitions of Parent Common Stock by any Company Insiders who, immediately
following the Merger, will be officers or directors of Parent subject to the reporting requirements of Section&nbsp;16(a)&nbsp;of the
Exchange Act, in each case pursuant to the transactions contemplated by this Agreement, to be exempt from liability pursuant to Rule&nbsp;16b-3
under the Exchange Act to the fullest extent permitted by applicable law.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.16</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Shareholder
Litigation</U>. Each of Parent and the Company shall promptly notify the other party in writing of any action, arbitration, audit, hearing,
investigation, litigation, suit, subpoena or summons issued, commenced, brought, conducted or heard by or before, or otherwise involving,
any Governmental Entity or arbitrator pending or, to the knowledge of Parent or the Company, as applicable, threatened against Parent,
the Company or any of their respective Subsidiaries that (a)&nbsp;questions or would reasonably be expected to question the validity
of this Agreement or the other agreements contemplated hereby or thereby or any actions taken or to be taken by Parent, the Company,
or their respective Subsidiaries with respect hereto or thereto, or (b)&nbsp;seeks to enjoin or otherwise restrain the transactions contemplated
hereby or thereby. The Company shall give Parent the opportunity to participate at its own expense in the defense or settlement of any
shareholder litigation against the Company and/or its directors or affiliates relating to the transactions contemplated by this Agreement,
and no such settlement shall be agreed without Parent&rsquo;s prior written consent (such consent not to be unreasonably withheld, conditioned
or delayed).</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.17</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Assumption
of Company Debt</U>. Parent agrees to execute and deliver, or cause to be executed and delivered, by or on behalf of Parent or Parent
Bank (as the case may be), at or prior to the Effective Time, one or more supplemental indentures, guarantees, and other instruments
required for the due assumption of the Company&rsquo;s obligations in respect of its outstanding debt, guarantees, securities, and other
agreements to the extent required by the terms of such debt, guarantees, securities, and other agreements. In furtherance of the foregoing,
at the Closing, Parent shall assume, by one or more supplemental indentures, the Indenture, dated as of June&nbsp;29, 2020, by and between
the Company and UMB Bank, National Association, as trustee.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.18</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Transfer
Agent Certificate</U>. The Company shall use its reasonable best efforts to provide a customary certificate to Parent from the Company&rsquo;s
transfer agent certifying the number of shares of Company Common Stock outstanding as of a date that is no earlier than three (3)&nbsp;business
days before the Closing Date.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.19</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Certain
Loans</U>. Prior to making, renewing or otherwise modifying any of the following types of Loans, the Company shall inform Parent: (A)&nbsp;Loans
to any person or entity if immediately after making such Loan, such Loan is risk rated &ldquo;7&rdquo; or worse by the Company (which
includes all &ldquo;criticized&rdquo; and &ldquo;classified&rdquo; Loans) and is in the amount of $2,500,000 or greater, and (B)&nbsp;Loans
to any person or entity if immediately after making such Loan, such person or entity would be directly indebted to the Company or any
Company Subsidiary, excluding participations sold, in an aggregate amount of $10,000,000 or greater.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.20</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>280G
Matters</U>. The Parent and Company shall work together in good faith to address any potential Tax resulting from Section&nbsp;280G of
the Code, to the extent applicable.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conditions
to Each Party&rsquo;s Obligation to Effect the Merger</U>. The respective obligations of the parties to effect the Merger shall be subject
to the satisfaction at or prior to the Effective Time of the following conditions:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Shareholder
Approvals</U>. This Agreement shall have been approved by the shareholders of the Company by the Requisite Company Vote.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Stock
Exchange Listing</U>. The shares of Parent Common Stock that shall be issuable pursuant to this Agreement shall have been admitted for
listing on the Nasdaq Stock Exchange, subject to official notice of issuance.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Regulatory
Approvals</U>. All Requisite Regulatory Approvals shall have been obtained and shall remain in full force and effect and all statutory
waiting periods in respect thereof shall have expired, and no such Requisite Regulatory Approval shall have resulted in the imposition
of any Materially Burdensome Regulatory Condition.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>S-4</U>.
The S-4 shall have become effective under the Securities Act and no stop order suspending the effectiveness of the S-4 shall have been
issued and no proceedings for that purpose shall have been initiated or threatened by the SEC and not withdrawn.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Injunctions or Restraints; Illegality</U>. No order, injunction or decree issued by any court or agency of competent jurisdiction or
other legal restraint or prohibition preventing the consummation of the Merger or any of the other transactions contemplated by this
Agreement shall be in effect. No statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated
or enforced by any Governmental Entity which prohibits or makes illegal consummation of the Merger or the other transactions contemplated
hereby.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conditions
to Obligations of Parent</U>. The obligation of Parent to effect the Merger is also subject to the satisfaction, or waiver by Parent,
at or prior to the Effective Time, of the following conditions:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Representations
and Warranties</U>. The representations and warranties of the Company set forth in <U>Sections&nbsp;3.2(a</U>), and <U>3.8(a)</U>&nbsp;(in
each case after giving effect to the lead-in to <U>Article&nbsp;III</U>) shall be true and correct (other than, in the case of <U>Section&nbsp;3.2(a)</U>,
such failures to be true and correct as are <I>de minimis</I>) in each case as of the date of this Agreement and (except to the extent
such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date
and the representations and warranties of the Company set forth in <U>Sections&nbsp;3.1</U>, <U>3.2(b)</U>, <U>3.2(c)</U>, <U>3.3(a)</U>&nbsp;and
<U>3.7</U> (in each case read without giving effect to any qualification as to materiality or Material Adverse Effect on the Company
set forth in such representations or warranties) shall be true and correct in all material respects as of the date of this Agreement
and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and
as of the Closing Date. All other representations and warranties of the Company set forth in this Agreement (read without giving effect
to any qualification as to materiality or Material Adverse Effect on the Company set forth in such representations or warranties) shall
be true and correct in all respects as of the date of this Agreement and (except to the extent such representations and warranties speak
as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <U>provided</U> that, for purposes of this
sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations
and warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as
to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would reasonably be expected to
have a Material Adverse Effect on the Company. Parent shall have received a certificate signed on behalf of the Company by the Chief
Executive Officer and the Chief Financial Officer of the Company to the foregoing effect.</FONT></P>

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Performance
of Obligations of the Company</U>. The Company shall have performed in all material respects the obligations required to be performed
by it under this Agreement at or prior to the Closing Date, and Parent shall have received a certificate signed on behalf of the Company
by the Chief Executive Officer and the Chief Financial Officer of the Company to such effect.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Federal
Tax Opinion</U>. Parent shall have received a written opinion of Dykema Gossett PLLC, in form and substance reasonably satisfactory to
Parent, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred
to in such opinion, the Merger shall qualify as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a)&nbsp;of the
Code. In rendering such opinion, counsel may require and rely upon representations contained in certificates of officers of Parent and
the Company, reasonably satisfactory in form and substance to such counsel.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Material
Adverse Effect</U>. Since the date of this Agreement, a Material Adverse Effect with respect to the Company shall not have occurred,
and Parent shall have received a certificate, dated as of the Closing Date and signed by the President and Chief Executive Officer of
the Company, to that effect.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Minimum
Adjusted Tangible Shareholder&rsquo;s Equity Value</U>. The Adjusted Tangible Shareholder&rsquo;s Equity of the Company shall be greater
than or equal to the Minimum Adjusted Tangible Shareholder&rsquo;s Equity Value. Five business days prior to the Closing Date, Parent
shall have received a certificate, accompanied by appropriate supporting detail, signed by the President and Chief Executive Officer
of the Company, to that effect. &ldquo;<U>Adjusted Tangible Shareholder&rsquo;s Equity</U>&rdquo; shall mean, as of the month end prior
to five business days before the Closing Date (the &ldquo;<U>Measuring Date</U>&rdquo;), the consolidated shareholders&rsquo; equity
of the Company as set forth on its balance sheet on the Measuring Date calculated in accordance with GAAP, (i)&nbsp;minus all intangible
assets as of the Measuring Date, and (ii)&nbsp;excluding the change in accumulated other comprehensive income / (loss), net of Tax, since
September&nbsp;30, 2023, and (iii)&nbsp;adding the sum, net of associated Tax, as of the Measuring Date of (v)&nbsp;all fees and expenses
of all attorneys, accountants, investment bankers and other advisors and agents for the Company for services rendered in connection with
the transactions contemplated by this Agreement paid by the Company prior to the Effective Time; (w)&nbsp;attorneys&rsquo; fees arising
from any actions, claims, suits or hearings brought by the Company&rsquo;s shareholders with respect to this Agreement or the transactions
contemplated hereby; (x)&nbsp;any costs associated with the termination of employee benefit plans or programs (inclusive of any severance
compensation paid or to be paid as provided herein) or any retention or transaction bonuses paid as expressly permitted by this Agreement
or as otherwise mutually agreed by the parties following the date hereof, (y)&nbsp;any regulatory filing fees or costs, fees and penalties
incurred in connection with obtaining any third party consents in connection with the transactions contemplated by this Agreement, and
(z)&nbsp;any other commercially reasonable costs incurred in connection with transactions contemplated by this Agreement. &ldquo;<U>Minimum
Tangible Adjusted Shareholder&rsquo;s Equity Value</U>&rdquo; shall mean $282,000,000.</FONT></P>

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

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<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"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Conditions
to Obligations of the Company</U>. The obligation of the Company to effect the Merger is also subject to the satisfaction or waiver by
the Company at or prior to the Effective Time of the following conditions:</FONT></P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Representations
and Warranties</U>. The representations and warranties of Parent set forth in <U>Sections 4.2(a)</U>&nbsp;and&nbsp;<U>4.7(a)</U>&nbsp;shall
be true and correct (other than, in the case of <U>Section&nbsp;4.2(a)</U>, such failures to be true and correct as are <I>de minimis</I>)in
each case as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date)
as of the Closing Date as though made on and as of the Closing Date and the representations and warranties of Parent set forth in <U>Sections&nbsp;4.1</U>,
<U>4.2(b)</U>, <U>4.2(c)</U>, and <U>4.3(a)</U>&nbsp;(in each case read without giving effect to any qualification as to materiality
or Material Adverse Effect on the Parent set forth in such representations or warranties) shall be true and correct in all material respects
as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the
Closing Date as though made on and as of the Closing Date. All other representations and warranties of Parent set forth in this Agreement
(read without giving effect to any qualification as to materiality or Material Adverse Effect on Parent set forth in such representations
or warranties) shall be true and correct in all respects as of the date of this Agreement and (except to the extent such representations
and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date, <U>provided</U> that,
for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures
of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving effect
to any qualification as to materiality or Material Adverse Effect on Parent set forth in such representations or warranties, has had
or would reasonably be expected to have a Material Adverse Effect on Parent. The Company shall have received a certificate signed on
behalf of Parent by the Chief Executive Officer and the Chief Financial Officer of Parent to the foregoing effect.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Performance
of Obligations of Parent.</U> Parent shall have performed in all material respects the obligations required to be performed by it under
this Agreement at or prior to the Closing Date, and the Company shall have received a certificate signed on behalf of Parent by the Chief
Executive Officer and the Chief Financial Officer of Parent to such effect.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Material
Adverse Effect</U>. Since the date of this Agreement, a Material Adverse Effect with respect to Parent shall not have occurred, and the
Company shall have received a certificate, dated as of the Closing Date and signed by the Chief Executive Officer and the Chief Financial
Officer of Parent to such effect.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Federal
Tax Opinion.</U> The Company shall have received a written opinion of Wachtell, Lipton, Rosen&nbsp;&amp; Katz, in form and substance
reasonably satisfactory to the Company, dated as of the Closing Date, to the effect that, on the basis of facts, representations and
assumptions set forth or referred to in such opinion, the Merger shall qualify as a &ldquo;reorganization&rdquo; within the meaning of
Section&nbsp;368(a)&nbsp;of the Code. In rendering such opinion, counsel may require and rely upon representations contained in certificates
of officers of Parent and the Company, reasonably satisfactory in form and substance to such counsel.</FONT></P>

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

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<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"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VIII</B></FONT></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"><FONT STYLE="text-transform: uppercase"><B>TERMINATION
AND AMENDMENT</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Termination</U>.
This Agreement may be terminated at any time prior to the Effective Time, whether before or after approval of this Agreement by the shareholders
of the Company:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
mutual consent of Parent and the Company in a written instrument;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
either Parent or the Company if any Governmental Entity that must grant a Requisite Regulatory Approval has denied approval of the Merger
or the Bank Merger and such denial has become final and non-appealable or any Governmental Entity of competent jurisdiction shall have
issued a final non-appealable law or order permanently enjoining or otherwise prohibiting or making illegal the consummation of the Merger
or the Bank Merger, unless the failure to obtain a Requisite Regulatory Approval shall be due to the failure of the party seeking to
terminate this Agreement to perform or observe the covenants and agreements of such party set forth herein;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
either Parent or the Company if the Merger shall not have been consummated on or before twelve (12) months from the date of this Agreement
(the &ldquo;<U>Termination Date</U>&rdquo;), unless the failure of the Closing to occur by such date shall be due to the failure of the
party seeking to terminate this Agreement to perform or observe the covenants and agreements of such party set forth herein;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
either Parent or the Company if the Requisite Company Vote shall not have been obtained at the Company Meeting duly convened therefor
or at any adjournment or postponement thereof;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
either Parent or the Company (<U>provided</U> that the terminating party is not then in material breach of any representation, warranty,
covenant or other agreement contained herein) if there shall have been a breach of any of the covenants or agreements or any of the representations
or warranties (or any such representation or warranty shall cease to be true) set forth in this Agreement on the part of the Company,
in the case of a termination by Parent, or Parent, in the case of a termination by the Company, which breach or failure to be true, either
individually or in the aggregate with all other breaches by such party (or failures of such representations or warranties to be true),
would constitute, if occurring or continuing on the Closing Date, the failure of a condition set forth in <U>Section&nbsp;7.2</U>, in
the case of a termination by Parent, or <U>Section&nbsp;7.3</U>, in the case of a termination by the Company, and which is not cured
within forty-five (45) days following written notice to the Company, in the case of a termination by Parent, or Parent, in the case of
a termination by the Company, or by its nature or timing cannot be cured during such period (or such fewer days as remain prior to the
Termination Date); or</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">by
Parent prior to such time as the Requisite Company Vote is obtained, if (i)&nbsp;the Board of Directors of the Company shall have (A)&nbsp;failed
to recommend in the Proxy Statement that the shareholders of the Company approve this Agreement, or withdrawn, modified or qualified
such recommendation in a manner adverse to Parent, or publicly disclosed that it intends to do so, or failed to recommend against acceptance
of a tender offer or exchange offer constituting an Acquisition Proposal that has been publicly disclosed within ten (10)&nbsp;business
days after the commencement of such tender or exchange offer, in any such case whether or not permitted by the terms hereof or (B)&nbsp;recommended
or endorsed an Acquisition Proposal or publicly disclosed its intention to do so, or failed to issue a press release announcing its unqualified
opposition to such Acquisition Proposal within ten (10)&nbsp;business days after an Acquisition Proposal is publicly announced, or (ii)&nbsp;the
Company or its Board of Directors has willfully and materially breached its obligations under <U>Section&nbsp;6.3</U> or <U>Section&nbsp;6.11</U>.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Effect
of Termination</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event of termination of this Agreement by either Parent or the Company as provided in <U>Section&nbsp;8.1</U>, this Agreement shall
forthwith become void and have no effect, and none of Parent, the Company, any of their respective Subsidiaries or any of the officers
or directors of any of them shall have any liability of any nature whatsoever hereunder, or in connection with the transactions contemplated
hereby, except that:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Sections&nbsp;6.2(b)</U>&nbsp;and
this <U>Section&nbsp;8.2</U> and <U>Article&nbsp;IX</U> shall survive any termination of this Agreement, and</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">notwithstanding
anything to the contrary contained in this Agreement, neither Parent nor the Company shall be relieved or released from any liabilities
or damages arising out of its actual and intentional fraud or willful and material breach of any provision of this Agreement occurring
prior to termination (which, in the case of the Company, shall include the loss to the holders of Company Common Stock and Company Equity
Awards of the economic benefits of the Merger, including the loss of the premium offered to the holders of Company Common Stock and Company
Equity Awards, it being understood that the Company shall be entitled to pursue damages for such losses and to enforce the right to recover
such losses on behalf of its shareholders and the holders of Company Equity Awards in its sole and absolute discretion, and any amounts
received by the Company in connection therewith may be retained by the Company).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event that after the date of this Agreement and prior to the termination of this Agreement, a bona fide Acquisition Proposal shall
have been made known to senior management or the Board of Directors of the Company or has been made directly to its shareholders generally
or any person shall have publicly announced (and, in each case, not unconditionally withdrawn) an Acquisition Proposal with respect to
the Company and (A)&nbsp;thereafter this Agreement is terminated by either Parent or the Company pursuant to <U>Section&nbsp;8.1(c)</U>&nbsp;without
the Requisite Company Vote having been obtained (and all other conditions set forth in <U>Section&nbsp;7.1</U> and <U>Section&nbsp;7.3
</U>had been satisfied or were capable of being satisfied at a time prior to such termination), (B)&nbsp;thereafter this Agreement is
terminated by either Parent or the Company pursuant to <U>Section&nbsp;8.1(d)</U>, or (C)&nbsp;thereafter this Agreement is terminated
by Parent pursuant to <U>Section&nbsp;8.1(e)</U>&nbsp;as a result of a willful breach, and (D)&nbsp;prior to the date that is twelve
(12) months after the date of such termination, the Company enters into a definitive agreement for an Acquisition Proposal that is subsequently
consummated or consummates a transaction with respect to an Acquisition Proposal (whether or not the same Acquisition Proposal as that
referred to above), then the Company shall on the date of consummation of such transaction pay Parent, by wire transfer of same day funds,
a fee equal to $11,250,000 (the &ldquo;<U>Termination Fee</U>&rdquo;); <U>provided</U> that for purposes of this <U>Section&nbsp;8.2(b)</U>,
all references in the definition of Acquisition Proposal to &ldquo;25%&rdquo; shall instead refer to &ldquo;51%.&rdquo;</FONT></P>

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

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<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 0.5in; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event that this Agreement is terminated by Parent pursuant to <U>Section&nbsp;8.1(f)</U>, then the Company shall pay Parent, by wire
transfer of same day funds, the Termination Fee no later than two (2)&nbsp;business days after such termination.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Notwithstanding
anything to the contrary herein, but without limiting the right of Parent to recover liabilities or damages arising out of the Company&rsquo;s
actual and intentional fraud or willful and material breach of any provision of this Agreement, the maximum aggregate amount of fees,
liabilities or damages payable by the Company under this Agreement shall be equal to the Termination Fee (together with any amounts specified
in <U>Section&nbsp;8.2(d)</U>), as applicable, and in no event shall the Company be required to pay the Termination Fee on more than
one occasion.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
of Parent and the Company acknowledges that the agreements contained in this <U>Section&nbsp;8.2</U> are an integral part of the transactions
contemplated by this Agreement, and that, without these agreements, the other party would not enter into this Agreement; accordingly,
if the Company fails promptly to pay the amount due pursuant to this <U>Section&nbsp;8.2</U>, and, in order to obtain such payment, Parent
commences a suit which results in a judgment against the Company for the Termination Fee, the Company shall pay the reasonable and documented
out-of-pocket costs and expenses of Parent (including reasonable and documented out-of-pocket attorneys&rsquo; fees and expenses) in
connection with such suit. In addition, if the Company fails to pay the amounts payable pursuant to this <U>Section&nbsp;8.2</U>, then
the Company shall pay interest on such overdue amounts (for the period commencing as of the date that such overdue amount was originally
required to be paid and ending on the date that such overdue amount is actually paid in full) at a rate per annum equal to the &ldquo;prime
rate&rdquo; published in the <I>Wall Street Journal</I> on the date on which such payment was required to be made for the period commencing
as of the date that such overdue amount was originally required to be paid and ending on the date that such overdue amount is actually
paid in full. The amounts payable by the Company pursuant to <U>Section&nbsp;8.2(b)</U>&nbsp;shall constitute liquidated damages and
not a penalty, and, except in the case of actual and intentional fraud or willful and material breach of this Agreement, shall be (together
with the amounts specified in this <U>Section&nbsp;8.2(d)</U>) the sole monetary remedy of Parent in the event of a termination of this
Agreement.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.1</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Nonsurvival
of Representations, Warranties and Agreements</U>. None of the representations, warranties, covenants or agreements in this Agreement
or in any instrument delivered pursuant to this Agreement (other than the Confidentiality Agreement, which shall survive in accordance
with its terms) shall survive the Effective Time, except for <U>Section&nbsp;6.7</U>, and for those other covenants and agreements contained
herein and therein which by their terms apply or are to be performed in whole or in part after the Effective Time.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.2</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Amendment</U>.
Subject to compliance with applicable law, this Agreement may be amended by the parties hereto, by action taken or authorized by their
respective Boards of Directors, at any time before or after approval of the matters presented in connection with Merger by the shareholders
of the Company; <U>provided</U> that after approval of this Agreement by the shareholders of the Company, there may not be, without further
approval of such shareholders, any amendment of this Agreement that requires further approval of such shareholders under applicable law.
This Agreement may not be amended, modified or supplemented in any manner, whether by course of conduct or otherwise, except by an instrument
in writing specifically designated as an amendment hereto, signed on behalf of each of the parties hereto.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.3</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Extension;
Waiver</U>. At any time prior to the Effective Time, the parties hereto may, to the extent legally allowed, (a)&nbsp;extend the time
for the performance of any of the obligations or other acts of the other parties hereto, (b)&nbsp;waive any inaccuracies in the representations
and warranties contained herein or in any document delivered pursuant hereto, and (c)&nbsp;waive compliance with any of the agreements
or satisfaction of any conditions contained herein; <U>provided</U> that, after approval of this Agreement by the shareholders of the
Company, there may not be, without further approval of such shareholders, any extension or waiver of this Agreement or any portion thereof
that requires further approval of such shareholders under applicable law. Any agreement on the part of a party hereto to any such extension
or waiver shall be valid only if set forth in a written instrument signed on behalf of such party, but such extension or waiver or failure
to insist on strict compliance with an obligation, covenant, agreement or condition shall not operate as a waiver of, or estoppel with
respect to, any subsequent or other failure.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.4</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Expenses</U>.
Except as otherwise provided in <U>Section&nbsp;8.2</U>, all costs and expenses incurred in connection with this Agreement and the transactions
contemplated hereby shall be paid by the party incurring such expense; <U>provided</U> that all filing and other fees paid to the SEC
in connection with the Merger shall be borne by Parent.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.5</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Notices</U>.
All notices, requests, instructions or other communications or documents to be given or made hereunder by one party to the other party
shall be in writing and shall be deemed to have been given (a)&nbsp;when delivered by hand (with written confirmation of receipt); (b)&nbsp;when
received by the addressee if sent by a nationally recognized overnight courier (receipt requested); (c)&nbsp;on the date sent by e-mail
of a PDF document (with non-automated confirmation of receipt) if sent at or prior to 5:00 p.m.&nbsp;local time of the recipient, and
on the next Business Day if sent after 5:00 p.m.&nbsp;local time of the recipient (in each case except in the event of any &ldquo;bounceback&rdquo;
or similar non-transmittal message); or (d)&nbsp;on the day after the date mailed, by certified or registered mail, return receipt requested,
postage prepaid. Such communications must be sent to the respective parties at the following addresses (or at such other address for
a party as shall be specified in a notice given in accordance with this <U>Section&nbsp;9.5)</U>:</FONT></P>

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

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<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: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to the Company, to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt -0.25in; text-indent: 2.25in"><FONT STYLE="font-size: 10pt">CapStar
Financial Holdings,&nbsp;Inc.</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">1201 Demonbreun
Street, Suite&nbsp;700</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">Nashville, Tennessee
37203</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">Attention: &#8239;&#8239;&#8239;Timothy
K. Schools, President and CEO</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;tkschools@capstarbank.com</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><I>With a copy
(which shall not constitute notice) to:</I></FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">Wachtell, Lipton,
Rosen&nbsp;&amp; Katz</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">51 West 52nd
Street</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">New York, NY
10533</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">Attention:&#8239;&#8239;&#8239;&#8239;Matthew
M. Guest</FONT></P>

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;MGuest@wlrk.com</FONT></P>




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

<P STYLE="font-size: 10pt; margin-left: -0.25in; text-indent: 2.25in; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">and</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
to Parent, to:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in"><FONT STYLE="font-size: 10pt">Old National Bancorp&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in"><FONT STYLE="font-size: 10pt">One Main Street&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Evansville,&nbsp;Indiana
47708<BR> Attention:</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;Nicholas J. Chulos, Chief Legal Officer<BR>
Email:&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239; &#8239;&#8239;&#8239;Nick.Chulos@oldnational.com</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.6</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Interpretation</U>.
The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof
shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made
in this Agreement to Articles, Sections, Exhibits or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or Exhibit&nbsp;or
Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference
purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo;
 &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without
limitation.&rdquo; References to &ldquo;<U>the date hereof</U>&rdquo; shall mean the date of this Agreement. As used in this Agreement,
the &ldquo;<U>knowledge</U>&rdquo; of the Company means the actual knowledge after reasonable inquiry of their direct reports any of
the officers of the Company listed on Section&nbsp;9.6 of the Company Disclosure Schedule, and the &ldquo;<U>knowledge</U>&rdquo; of
Parent means the actual knowledge after reasonable inquiry of their direct reports of the officers of Parent listed on Section&nbsp;9.6
of the Parent Disclosure Schedule. As used herein, (i)&nbsp;&ldquo;<U>business day</U>&rdquo; means any day other than a Saturday, a
Sunday or a day on which banks in New York, New York are authorized by law or executive order to be closed, (ii)&nbsp;&ldquo;<U>person</U>&rdquo;
means any individual, corporation (including not-for-profit), general or limited partnership, limited liability company, joint venture,
estate, trust, association, organization, Governmental Entity or other entity of any kind or nature, (iii)&nbsp;an &ldquo;<U>affiliate</U>&rdquo;
of a specified person is any person that directly or indirectly controls, is controlled by, or is under common control with, such specified
person, (iv)&nbsp;&ldquo;<U>made available</U>&rdquo; means any document or other information that was provided by one party or its representatives
to the other party and its representatives prior to the date hereof, included in the virtual data room of a party prior to the date hereof
or filed by a party with the SEC and publicly available on EDGAR prior to the date hereof and (v)&nbsp;the &ldquo;<U>transactions contemplated
hereby</U>&rdquo; and &ldquo;<U>transactions contemplated by this Agreement</U>&rdquo; shall include the Merger and the Bank Merger.
The Company Disclosure Schedule and the Parent Disclosure Schedule, as well as all other schedules and all exhibits hereto, shall be
deemed part of this Agreement and included in any reference to this Agreement. All references to &ldquo;<U>dollars</U>&rdquo; or &ldquo;<U>$</U>&rdquo;
in this Agreement are to United States dollars. This Agreement shall not be interpreted or construed to require any person to take any
action, or fail to take any action, if to do so would violate any applicable law. References to any statute or regulation refer to such
statute or regulation, as amended, modified, supplemented or replaced from time to time (and, in the case of statutes, include any rules&nbsp;and
regulations promulgated under the statute) and references to any section of any statute or regulation include any successor to such section.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.7</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Counterparts</U>.
This Agreement may be executed in two or more counterparts (including by electronic means (including a &ldquo;.pdf&rdquo; format data
file) all of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by each
of the parties and delivered to the other parties, it being understood that all parties need not sign the same counterpart.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.8</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Entire
Agreement</U>. This Agreement (including the documents and the instruments referred to herein), together with the Confidentiality Agreement,
constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among
the parties with respect to the subject matter hereof.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.9</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Governing
Law; Jurisdiction</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">This
Agreement shall be governed and construed in accordance with the laws of the State of Indiana without regard to any applicable conflicts
of law, except the Tennessee Articles of Merger shall be governed by the laws of the State of Tennessee and the Indiana Articles of Merger
shall be governed by the laws of the State of Indiana.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions
contemplated hereby exclusively in the federal district court for the southern district of Indiana,&nbsp;Indianapolis Division and any
state appellate court therefrom within the State of Indiana (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely in connection with
claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&nbsp;irrevocably submits to the exclusive
jurisdiction of the Chosen Courts, (ii)&nbsp;waives any objection to laying venue in any such action or proceeding in the Chosen Courts,
(iii)&nbsp;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party and (iv)&nbsp;agrees
that service of process upon such party in any such action or proceeding will be effective if notice is given in accordance with <U>Section&nbsp;9.5</U>.</FONT></P>

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

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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Waiver
of Jury Trial</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED
BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT: (A)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (B)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (C)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (D)&nbsp;EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;9.10</U>.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.11</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Assignment;
Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by
any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other party. Any purported
assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding upon, inure
to the benefit of and be enforceable by the parties and their respective successors and assigns. Except as otherwise specifically provided
in <U>Section&nbsp;6.7</U>, which is intended to benefit each Company Indemnified Party and his or her heirs and representatives, this
Agreement (including the documents and instruments referred to herein) is not intended to, and does not, confer upon any person other
than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth
herein. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the
sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance
herewith without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may
represent an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the
parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as
characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.12</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in
accordance with its specific terms or otherwise breached. Accordingly, the parties shall be entitled to specific performance of the terms
hereof, including an injunction or injunctions to prevent breaches or threatened breaches of this Agreement or to enforce specifically
the performance of the terms and provisions hereof (including the parties&rsquo; obligation to consummate the Merger), in addition to
any other remedy to which they are entitled at law or in equity. Each of the parties hereby further waives (a)&nbsp;any defense in any
action for specific performance that a remedy at law would be adequate and (b)&nbsp;any requirement under any law to post security or
a bond as a prerequisite to obtaining equitable relief.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.13</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Severability</U>.
Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective
and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule&nbsp;in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed
and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to
be only so broad as is enforceable.</FONT></P>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.14</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Confidential
Supervisory Information</U>. Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be
made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including
confidential supervisory information as defined or identified in 12 C.F.R. &sect; 261.2(b)&nbsp;and 12 C.F.R. &sect; 309.5(g)(8)) of
a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To the extent legally permissible, appropriate
substitute disclosures or actions shall be made or taken under circumstances in which the limitations of the preceding sentence apply.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.15</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Delivery
by Electronic Transmission</U>. This Agreement and any signed agreement or instrument entered into in connection with this Agreement,
and any amendments or waivers hereto or thereto, to the extent signed and delivered by email delivery of a &ldquo;.pdf&rdquo; format
data file, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same
binding legal effect as if it were the original signed version thereof delivered in person. No party hereto or to any such agreement
or instrument shall raise the use of email delivery of a &ldquo;.pdf&rdquo; format data file to deliver a signature to this Agreement
or any amendment hereto or the fact that any signature or agreement or instrument was transmitted or communicated through email delivery
of a &ldquo;.pdf&rdquo; format data file as a defense to the formation of a contract and each party hereto forever waives any such defense.</FONT></P>

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

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<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"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>IN
WITNESS WHEREOF</B></FONT>, the Company and Parent have caused this Agreement to be executed by their respective officers thereunto duly
authorized as of the date first above written.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
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    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><BR> </TD><TD COLSPAN="2" STYLE="font-size: 10pt"><B>CAPSTAR FINANCIAL HOLDINGS,&nbsp;INC.</B></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%; text-align: left">/s/ Timothy K. Schools</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Timothy K. Schools</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">President and Chief Executive Officer</TD></TR>
  </TABLE>


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

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[<I>Signature
Page&nbsp;to Agreement and Plan of Merger</I></FONT>]</P>

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

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

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

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    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-transform: uppercase; text-align: left; padding-left: 3in"></TD><TD COLSPAN="2" STYLE="font-size: 10pt"><B>OLD NATIONAL BANCORP</B></TD></TR>
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 3in">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%; padding-bottom: 1pt; padding-left: 3in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%; padding-bottom: 1pt">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%; text-align: left; padding-bottom: 1pt">/ s/ James C. Ryan III</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 3in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">Name</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">James C. Ryan III</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 3in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Chief Executive Officer</TD></TR>
  </TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[<I>Signature
Page&nbsp;to Agreement and Plan of Merger</I></FONT>]</P>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>tm2329233d4_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; margin: 0pt 0"><B>Exhibit 99.1</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-align: right"><U>EXECUTION VERSION</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><U>FORM&nbsp;OF SHAREHOLDER
VOTING AGREEMENT</U>&nbsp;</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">October&nbsp;26, 2023</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">Old National Bancorp</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">One Main Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Evansville,&nbsp;Indiana 47708</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: justify">Ladies and Gentlemen:</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: justify; text-indent: 0.5in">The undersigned, being a shareholder
of CapStar Financial Holdings,&nbsp;Inc., a Tennessee corporation (the <I>&ldquo;Company&rdquo;</I>), hereby acknowledges that the Company
and Old National Bancorp, an Indiana corporation (<I>&ldquo;Parent&rdquo;</I>), are concurrently entering into an Agreement and Plan of
Merger, dated as of the same date hereof (as amended or modified from time to time, the <I>&ldquo;Merger Agreement&rdquo;</I>), pursuant
to which the Company will be merged with and into Parent (the <I>&ldquo;Merger&rdquo;</I>). A copy of the Merger Agreement has been provided
to the undersigned. Capitalized terms used but not defined herein are to be deemed to have the same meanings assigned to them in the Merger
Agreement.</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: justify; text-indent: 0.5in">The undersigned further acknowledges
that the undersigned will benefit directly and substantially from the consummation of the Merger. As an inducement to and condition of
Parent&rsquo;s willingness to enter into the Merger Agreement, the undersigned hereby agrees, represents and warrants as follows:</P>

<P STYLE="font: 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: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">1.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Owned
Shares</I>. The undersigned owns (of record or beneficially) and has the full power and authority to vote the number of shares of Company
Common Stock set forth on the signature page&nbsp;hereof (the <I>&ldquo;Owned Shares&rdquo;</I>). For all purposes of this agreement,
the Owned Shares will include any shares of Company Common Stock as to which the undersigned acquires beneficial or record ownership after
the date hereof.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">2.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Agreement
to Vote Owned Shares</I>. The undersigned agrees that, at the Company Meeting or any other meeting or action of the shareholders of the
Company, including a written consent solicitation, the undersigned will (a)&nbsp;vote all of the Owned Shares (or otherwise provide a
proxy, consent or voting instruction or direction) in favor of approval of the Merger Agreement, the Merger and any other matters required
to be approved or adopted in order to effect the Merger and the transactions contemplated by the Merger Agreement, (b)&nbsp;not initiate
any proxy solicitation or undertake any other efforts against the Merger Agreement, the Merger or the transactions contemplated by the
Merger Agreement, and (c)&nbsp;not vote the Owned Shares (or otherwise provide a proxy or consent) in favor of, or otherwise support,
approval of any Acquisition Proposal or any action that is intended to, or could reasonably be expected to, materially impede, interfere
with, delay or otherwise materially and adversely affect the Merger or the transactions contemplated by the Merger Agreement. Notwithstanding
the foregoing, the parties acknowledge that this agreement is entered into by the undersigned solely in his or her capacity as legal title
holder of the Owned Shares and that nothing in this agreement shall prevent the undersigned from discharging his or her fiduciary duties
as a member of the Board of Directors of the Company or as an officer of the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">3.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Transfer
of Owned Shares and Company Common Stock</I>. The undersigned agrees that the undersigned will not, without the prior written consent
of Parent directly or indirectly, sell, transfer, pledge, assign or otherwise dispose of, or enter into any contract, agreement, option,
commitment, derivative or other arrangement or understanding with respect to any sale, transfer, pledge, assignment or other disposition
of any of the Owned Shares or the voting rights thereunder. If, subsequent to the date of this agreement, the undersigned purchases, acquires
or becomes the legal or beneficial owner of shares of Company Common Stock in addition to the Owned Shares, such additional shares shall
be subject to this agreement, and the undersigned&rsquo;s agreements and obligations hereunder shall apply to such additional shares,
without the need for any additional agreement or writing.</FONT></P>

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

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

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<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: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Further
Assurances</I>. The undersigned will take all reasonable actions and make all reasonable efforts, and will execute and deliver all such
further agreements, documents, certificates, instruments, proxies and voting instructions, in order to fulfill his agreements and obligations
contemplated hereby and by the Merger Agreement, including, without limitation, the agreement of the undersigned to vote the Owned Shares
in accordance with Section&nbsp;2 hereof.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>No
Solicitation</I>. The undersigned agrees that the undersigned shall not, and the undersigned shall direct and use its reasonable best
efforts to cause the undersigned&rsquo;s agents and representatives (including, without limitation, any investment banker, attorney or
accountant retained by the undersigned) not to, initiate, solicit or encourage, directly or indirectly, any inquiries or the making of
any Acquisition Proposal or engage in any negotiations concerning, or provide any confidential information or data to, or have any discussions
with, any person relating to an Acquisition Proposal, or otherwise knowingly facilitate any effort or attempt to make or implement an
Acquisition Proposal.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">6.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Waiver
of Claims. </I>The undersigned irrevocably agrees to waive and does hereby waive any and all claims (whether past, present or future,
and at law, at equity, through arbitration or otherwise) against the Company, Parent, their respective affiliates and each of their respective
officers, employees and directors solely to the extent arising as a result of the undersigned&rsquo;s ownership of the Owned Shares or
other securities of the Company, including, without limitation, claims relating to, in connection with or arising from the Merger Agreement
or the Merger, the authorization and execution and the fairness (to the undersigned or otherwise) of the Merger Agreement or the Merger
and the other transactions contemplated by the Merger Agreement, other than the right to receive the consideration provided for in the
Merger Agreement upon consummation of the Merger (including in respect of Company Equity Awards held by the undersigned) and the rights
of the undersigned under Section&nbsp;6.7 of the Merger Agreement as a Company Indemnified Party. To avoid doubt, the waiver contained
in this Section&nbsp;6 shall be absolute and perpetual unless and until such time as this agreement is terminated pursuant to Section&nbsp;8
(a)&nbsp;or 8 (b)&nbsp;below.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">7.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Specific
Performance</I>. The undersigned agrees that irreparable damage would occur in the event that any of the provisions of this agreement
were not performed by the undersigned in accordance with their specific terms or were otherwise breached. Accordingly, the undersigned
agrees that Parent will be entitled to an injunction or other action or remedy to prevent any breach(es) hereof by the undersigned and
to enforce specifically the terms and provisions hereof in any court of the United States or any state having jurisdiction, this being
in addition to any other remedy to which Parent is entitled at law or in equity, and that the undersigned waives the posting of any bond
or security in connection with any proceeding related thereto.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">8.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Termination
of this Agreement</I>. This agreement will terminate automatically upon the earliest to occur of: (a)&nbsp;the termination of the Merger
Agreement by either or both of the Company or Parent pursuant to Section&nbsp;8.1 of the Merger Agreement, or (b)&nbsp;the Board of Directors
of the Company submitting the Merger Agreement to the Company&rsquo;s shareholders without a recommendation for approving the Merger Agreement
in accordance with Section&nbsp;6.3 of the Merger Agreement. Upon such termination, no party shall have any further obligations or liabilities
hereunder; <I>provided, however,</I> such termination will not relieve any party from liability for any willful breach of this agreement
prior to such termination. Additionally, Section&nbsp;3 of this agreement shall terminate effective as of the time that the Merger Agreement
is approved by shareholders of the Company.</FONT></P>

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

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

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<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: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">9.</FONT><I>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Certain
Representations and Warranties.</FONT></I><FONT STYLE="font-size: 10pt"> The undersigned hereby represents and warrants to Parent that
the undersigned has the right, power and authority to execute and deliver this agreement; such execution and delivery does not and will
not violate, or require any consent, approval, or notice under any law or result in the breach of any contract; and this agreement has
been duly executed and delivered by the undersigned and constitutes a legal, valid and binding agreement of the undersigned, enforceable
in accordance with its terms (except to the extent that enforceability hereof may be limited by applicable bankruptcy, insolvency, reorganization,
moratorium or similar laws or equitable principles or doctrines).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">10.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Appraisal/Dissenters
Rights.</I> To the extent permitted by applicable law, the undersigned hereby waives and agrees not to exercise any rights of appraisal
or rights to dissent from the Merger or the transactions contemplated by the Merger Agreement that the undersigned may have with respect
to the Owned Shares under applicable law.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">11.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Governing
Law</I>. This agreement is governed by, and will be interpreted in accordance with, the laws of the State of Indiana applicable to contracts
made and to be performed entirely within that State without regard to any applicable conflicts or choice of law principles.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">12.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Counterparts</I>.
This agreement may be executed in multiple counterparts, each of which shall be deemed to constitute an original, but all of which together
shall be deemed to constitute one and the same instrument.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">13.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Severability</I>.
Each provision of this agreement shall be interpreted in such manner as to be effective and valid under applicable law, but in case any
one or more provisions contained in this agreement shall, for any reason, be held to be invalid, illegal or unenforceable in any respect,
(a)&nbsp;all other provisions of this agreement shall nevertheless remain in full force and effect and (b)&nbsp;the parties shall negotiate
in good faith to modify this agreement so as to effect the original intent of the parties as closely as possible in a mutually acceptable
manner in order that the agreements and obligations contemplated hereby can be fulfilled as originally contemplated to the greatest extent
possible.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">14.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Electronic
Transmission.</I> This agreement, and any amendments or waivers hereto, to the extent signed and delivered by email delivery of a &ldquo;.pdf&rdquo;
format data file or a facsimile transmission, shall be treated in all manner and respects as an original agreement and shall be considered
to have the same binding legal effect as if it were the original signed version thereof delivered in person. Neither party hereto shall
raise the use of email delivery of a &ldquo;.pdf&rdquo; format data file or a facsimile transmission to deliver a signature to this agreement
or any amendment hereto or the fact that any signature or agreement or instrument was transmitted or communicated through email delivery
of a &ldquo;.pdf&rdquo; format data file or a facsimile transmission as a defense to the formation of a contract and each party hereto
forever waives any such defense.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Remainder of this page&nbsp;intentionally left
blank. Signature page&nbsp;follows this page]</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">*</FONT>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">*</FONT>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">*</FONT></P>

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

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

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<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: justify; text-indent: 0.5in">The undersigned has executed
and delivered this agreement as of the day and year first above written.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Very truly yours,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
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    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(Signature)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(Printed Name)</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Accepted as of the Date
    first above written:</FONT></TD></TR>
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    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
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    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">OLD NATIONAL BANCORP</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
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    <TD STYLE="font: small-caps 10pt Times New Roman, Times, Serif; width: 4%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
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<DOCUMENT>
<TYPE>EX-101.DEF
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>onb-20231026_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>onb-20231026_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
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<TYPE>XML
<SEQUENCE>8
<FILENAME>R1.htm
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<head>
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<span style="display: none;">v3.23.3</span><table class="report" border="0" cellspacing="2" id="idm139837996430128">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Oct. 26, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 26,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-15817<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">OLD NATIONAL BANCORP<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000707179<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">35-1539838<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">IN<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">One Main Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Evansville<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">IN<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">47708<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">773<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">765-7675<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [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="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common stock, no par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">ONB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=ONB_DepositarySharesEachRepresenting140thInterestInShareOfNoncumulativePerpetualPreferredStockSeriesaMember', window );">Depositary Shares Each Representing 140th Interest In Share Of Noncumulative Perpetual Preferred Stock Seriesa [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="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series 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="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">ONBPP<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=ONB_DepositarySharesEachRepresenting140thInterestInShareOfNoncumulativePerpetualPreferredStockSeriescMember', window );">Depositary Shares Each Representing 140th Interest In Share Of Noncumulative Perpetual Preferred Stock Seriesc [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="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/40th interest in a
    share of Non-Cumulative Perpetual Preferred Stock, Series 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="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">ONBPO<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dei:fileNumberItemType</td>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>10
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
