<SEC-DOCUMENT>0001104659-24-000870.txt : 20240103
<SEC-HEADER>0001104659-24-000870.hdr.sgml : 20240103
<ACCEPTANCE-DATETIME>20240103163131
ACCESSION NUMBER:		0001104659-24-000870
CONFORMED SUBMISSION TYPE:	S-4
PUBLIC DOCUMENT COUNT:		10
FILED AS OF DATE:		20240103
DATE AS OF CHANGE:		20240103

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OLD NATIONAL BANCORP /IN/
		CENTRAL INDEX KEY:			0000707179
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				351539838
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-4
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-276362
		FILM NUMBER:		24507095

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-4
<SEQUENCE>1
<FILENAME>tm2332717-1_s4.htm
<DESCRIPTION>S-4
<TEXT>
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    <title>tm2332717-1_s4 - none - 24.9376061s</title>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="text-align:center; width:541.31pt; line-height:10.5pt;font-weight:bold;font-size:8.8pt;">
          <font style="letter-spacing:-0.176pt;">As filed with the Securities and Exchange Commission on January 3, 2024</font><font style="font-weight:normal;letter-spacing:0.176pt;"> </font>
        </div>
        <div style="margin-top:1pt; text-align:right; width:541.31pt; line-height:9.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.17pt;">Registration Statement No. 333-&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;</font>&#8203;</div>
        <div style="margin-top:2.633pt; width:541.31pt;">
          <div style="margin-left: 0pt; width: 541.31pt; margin-top: 2.63333333333333pt; font-size: 2pt; line-height: 0pt; border-bottom: 2pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:1.8pt; width:541.31pt;">
          <div style="margin-left: 0pt; width: 541.31pt; margin-top: 1.8pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:6.3pt; text-align:center; width:541.31pt; line-height:15.5pt;font-weight:bold;font-size:14pt;">
          <font style="letter-spacing:-0.28pt;">UNITED STATES </font>
          <br >
          <font style="letter-spacing:-0.28pt;">SECURITIES AND EXCHANGE COMMISSION</font>
          <br >
          <font style="font-size:8.8pt;letter-spacing:-0.176pt;">Washington, D.C. 20549</font><font style="font-weight:normal;letter-spacing:0.28pt;"> </font>
        </div>
        <div style="margin-top:10.633pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 10.6333333333333pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:5.3pt; text-align:center; width:541.31pt; line-height:16pt;font-weight:bold;font-size:14pt;">
          <font style="letter-spacing:-0.28pt;">FORM S-4</font><font style="font-weight:normal;letter-spacing:0.28pt;"> </font>
        </div>
        <div style="margin-top:3pt; text-align:center; width:541.31pt; line-height:9pt;font-weight:bold;">
          <font style="letter-spacing:-0.17pt;">REGISTRATION STATEMENT </font>
          <br >
          <font style="letter-spacing:-0.17pt;">UNDER THE SECURITIES ACT OF 1933</font><font style="font-weight:normal;letter-spacing:0.17pt;"> </font>
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        <div style="margin-top:7.133pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 7.13333333333333pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:6.3pt; text-align:center; width:541.31pt; line-height:16pt;font-weight:bold;font-size:14pt;">
          <font style="letter-spacing:-0.28pt;">OLD NATIONAL BANCORP </font>
        </div>
        <div style="text-align:center; width:541.31pt; line-height:9pt;font-size:8pt;">
          <font style="letter-spacing:0.16pt;">(Exact name of registrant as specified in its charter) </font>
        </div>
        <div style="margin-top:7.3pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 7.30000000000001pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <table style="width:541.31pt;margin-top:3.59999999999999pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:172.44pt;">
              <div style="text-align:center;">
                <font style="font-weight:bold;letter-spacing:-0.16pt;">Indiana</font><font style="letter-spacing:0.16pt;"> </font>
                <br >
                <font style="letter-spacing:0.16pt;">(State or other jurisdiction of</font>
                <br >
                <font style="letter-spacing:0.16pt;">incorporation or organization) </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:172.44pt;">
              <div style="text-align:center;">
                <font style="font-weight:bold;letter-spacing:-0.16pt;">6022</font><font style="letter-spacing:0.16pt;"> </font>
                <br >
                <font style="letter-spacing:0.16pt;">(Primary Standard Industrial</font>
                <br >
                <font style="letter-spacing:0.16pt;">Classification Code Number) </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:172.43pt;">
              <div style="text-align:center;">
                <font style="font-weight:bold;letter-spacing:-0.16pt;">35-1539838</font><font style="letter-spacing:0.16pt;"> </font>
                <br >
                <font style="letter-spacing:0.16pt;">(I.R.S. Employer</font>
                <br >
                <font style="letter-spacing:0.16pt;">Identification Number)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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        <div style="margin-top:9.7pt; text-align:center; width:541.31pt; line-height:9pt;font-weight:bold;">
          <font style="letter-spacing:-0.17pt;">One Main Street</font>
          <br >
          <font style="letter-spacing:-0.17pt;">Evansville, Indiana 47708</font>
          <br >
          <font style="letter-spacing:-0.17pt;">(800) 731-2265</font><font style="font-weight:normal;letter-spacing:0.17pt;"> </font>
          <br >
          <font style="font-weight:normal;letter-spacing:0.17pt;">(Address, including zip code, and telephone number, including area code, of registrant&#8217;s principal executive offices) </font>
        </div>
        <div style="margin-top:7.133pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 7.13333333333335pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:5.3pt; text-align:center; width:541.31pt; line-height:9pt;font-weight:bold;">
          <font style="letter-spacing:-0.17pt;">Nicholas J. Chulos</font>
          <br >
          <font style="letter-spacing:-0.17pt;">Executive Vice President,</font>
          <br >
          <font style="letter-spacing:-0.17pt;">Chief Legal Officer and Corporate Secretary</font>
          <br >
          <font style="letter-spacing:-0.17pt;">Old National Bancorp</font>
          <br >
          <font style="letter-spacing:-0.17pt;">One Main Street</font>
          <br >
          <font style="letter-spacing:-0.17pt;">Evansville, Indiana 47708</font>
          <br >
          <font style="letter-spacing:-0.17pt;">(773) 765-7675</font><font style="font-weight:normal;letter-spacing:0.17pt;"> </font>
          <br >
          <font style="font-weight:normal;letter-spacing:0.17pt;">(Name, address, including zip code, and telephone number, including area code, of agent for service) </font>
        </div>
        <div style="margin-top:7.133pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 7.13333333333333pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <font style="letter-spacing:-0.17pt;">Copies to:</font><font style="font-weight:normal;letter-spacing:0.17pt;"> </font>
        </div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:172.44pt;">
              <div style="text-align:center; line-height:10.54pt;">
                <font style="letter-spacing:-0.176pt;">Scott R. Fryzel</font>
                <br >
                <font style="letter-spacing:-0.176pt;">Peter F. Waltz</font>
                <br >
                <font style="letter-spacing:-0.176pt;">Dykema Gossett PLLC</font>
                <br >
                <font style="letter-spacing:-0.176pt;">10 South Wacker Drive</font>
                <br >
                <font style="letter-spacing:-0.176pt;">Suite 2300</font>
                <br >
                <font style="letter-spacing:-0.176pt;">Chicago, IL 60606</font>
                <br >
                <font style="letter-spacing:-0.176pt;">(312) 876-1700</font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:172.44pt;">
              <div style="text-align:center; line-height:10.54pt;">
                <font style="letter-spacing:-0.176pt;">Timothy K. Schools</font>
                <br >
                <font style="letter-spacing:-0.176pt;">CapStar Financial Holdings, Inc.</font>
                <br >
                <font style="letter-spacing:-0.176pt;">1201 Demonbreun Street</font>
                <br >
                <font style="letter-spacing:-0.176pt;">Suite 700</font>
                <br >
                <font style="letter-spacing:-0.176pt;">Nashville, TN 37203</font>
                <br >
                <font style="letter-spacing:-0.176pt;">(615) 732-6400</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:172.43pt;">
              <div style="text-align:center; line-height:10.54pt;">
                <font style="letter-spacing:-0.176pt;">Matthew M. Guest</font>
                <br >
                <font style="letter-spacing:-0.176pt;">Wachtell, Lipton, Rosen &amp; Katz</font>
                <br >
                <font style="letter-spacing:-0.176pt;">51 West 52nd Street</font>
                <br >
                <font style="letter-spacing:-0.176pt;">New York, NY 10019</font>
                <br >
                <font style="letter-spacing:-0.176pt;">(212) 403-1000</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:10.67pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:3.41pt; text-align:center; width:541.31pt; line-height:9pt;font-weight:bold;">
          <font style="letter-spacing:-0.17pt;">Approximate date of commencement of proposed sale of the securities to the public: As soon as practicable after this Registration Statement becomes effective and on completion of the merger described in the enclosed proxy statement/prospectus.</font><font style="font-weight:normal;letter-spacing:0.17pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:3pt; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.17pt;">If the securities being registered on this Form are being offered in connection with the formation of a holding company and there is compliance with General Instruction G, check the following box. &#9744; </font>
        </div>
        <div style="text-indent:20pt; margin-top:3pt; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.17pt;">If this Form is filed to register additional securities for an offering pursuant to Rule&#160;462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. &#9744; </font>
        </div>
        <div style="text-indent:20pt; margin-top:3pt; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.17pt;">If this Form is a post-effective amendment filed pursuant to Rule&#160;462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. &#9744; </font>
        </div>
        <div style="text-indent:20pt; margin-top:3pt; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.17pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule&#160;12b-2 of the Exchange Act. </font>
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        <table style="width:501.31pt;height:30.8pt;margin-left:20pt;margin-top:4.10000000000002pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8.8pt;">
          <tr style="line-height:8.79999999999995pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8.8pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:326.21pt;">
              <div style=" float:left; line-height:8.8pt; text-align:left; width:120pt;white-space:nowrap;">
                <font style="letter-spacing:0.176pt;">Large accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:8.8pt; text-align:left; margin-left:120pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.176pt;">&#9746; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:163.1pt;">
              <div style=" float:left; line-height:8.8pt; text-align:left; width:120pt;white-space:nowrap;">
                <font style="letter-spacing:0.176pt;">Accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:8.8pt; text-align:left; margin-left:120pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.176pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.79999999999995pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8.8pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:326.21pt;">
              <div style=" float:left; line-height:8.8pt; text-align:left; width:120pt;white-space:nowrap;">
                <font style="letter-spacing:0.176pt;">Non-accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:8.8pt; text-align:left; margin-left:120pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.176pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:163.1pt;">
              <div style=" float:left; line-height:8.8pt; text-align:left; width:120pt;white-space:nowrap;">
                <font style="letter-spacing:0.176pt;">Smaller reporting company</font>
                <br >
              </div>
              <div style=" line-height:8.8pt; text-align:left; margin-left:120pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.176pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.79999999999995pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8.8pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:326.21pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2pt 0pt 0.5pt 0pt; width:163.1pt;white-space:normal;">
              <div style=" float:left; line-height:8.8pt; text-align:left; width:120pt;white-space:nowrap;">
                <font style="letter-spacing:0.176pt;">Emerging growth company</font>
                <br >
              </div>
              <div style=" line-height:8.8pt; text-align:left; margin-left:120pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.176pt;">&#9744;</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:6.8pt; width:541.31pt; line-height:9pt;">
          <font style="letter-spacing:0.17pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;7(a)(2)(B) of the Securities Act. &#9744; </font>
        </div>
        <div style="margin-left:20pt; margin-top:3pt; width:521.31pt; line-height:9.5pt;">
          <font style="letter-spacing:0.17pt;">If applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction: </font>
        </div>
        <div style="margin-left:40pt; margin-top:3pt; width:501.31pt; line-height:9.5pt;">
          <font style="letter-spacing:0.17pt;">Exchange Act Rule&#160;13e-4(i) (Cross-Border Issuer Tender Offer) &#9744; </font>
        </div>
        <div style="margin-left:40pt; margin-top:3pt; width:501.31pt; line-height:9.5pt;">
          <font style="letter-spacing:0.17pt;">Exchange Act Rule&#160;14d-1(d) (Cross-Border Third-Party Tender Offer) &#9744; </font>
        </div>
        <div style="margin-top:7.233pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 7.23333333333346pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="text-indent:20pt; margin-top:5.41pt; width:541.31pt; line-height:9pt;font-weight:bold;">
          <font style="letter-spacing:-0.17pt;">The Registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with Section&#160;8(a) of the Securities Act of 1933, or until this Registration Statement shall become effective on such date as the U.S. Securities and Exchange Commission, acting pursuant to said Section&#160;8(a), may determine.</font><font style="font-weight:normal;letter-spacing:0.17pt;"> </font>
        </div>
        <div style="margin-top:4.733pt; width:541.31pt;">
          <div style="margin-left: 0pt; width: 541.31pt; margin-top: 4.73333333333346pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:1.9pt; width:541.31pt;">
          <div style="margin-left: 0pt; width: 541.31pt; margin-top: 1.89999999999998pt; font-size: 2pt; line-height: 0pt; border-bottom: 2pt solid #000000; ">&#8203;</div>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.08pt;">The information in this preliminary proxy statement/prospectus is not complete and may be changed. The securities described herein may not be sold until the registration statement filed with the U.S. Securities and Exchange Commission is declared effective. This preliminary proxy statement/prospectus is not an offer to sell these securities and it is not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not permitted.</font><font style="color:#000000;letter-spacing:-0.08pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">PRELIMINARY PROXY STATEMENT/PROSPECTUS</font><font style="font-weight:normal;color:#000000;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;color:#FC0014;">
          <font style="letter-spacing:-0.2pt;">SUBJECT TO COMPLETION, DATED JANUARY 3, 2024</font><font style="font-weight:normal;color:#000000;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:4pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">MERGER PROPOSED&#8201;&#8212;&#8201;YOUR VOTE IS VERY IMPORTANT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">To the Shareholders of CapStar Financial Holdings,&#160;Inc.: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">On October&#160;26, 2023, Old National Bancorp, which we refer to as &#8220;Old National&#8221;, and CapStar Financial Holdings, Inc., which we refer to as &#8220;CapStar&#8221;, entered into an Agreement and Plan of Merger, which we refer to as the &#8220;merger agreement&#8221;, that provides for the combination of Old National and CapStar. Under the merger agreement, CapStar will merge with and into Old National in a transaction we refer to as the &#8220;merger&#8221;, with Old National as the surviving corporation in the merger. Immediately following the merger, or at a later time as determined by Old National, 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 Old National&#8217;s wholly owned subsidiary, Old National Bank, a national banking association, in a transaction we refer to as the &#8220;bank merger&#8221;, with Old National Bank as the surviving bank. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the terms and subject to the conditions set forth in the merger agreement, CapStar shareholders will receive Old National common stock for their shares of CapStar common stock (plus cash in lieu of fractional shares). At the effective time of the merger, each outstanding share of CapStar common stock (except for treasury stock or shares owned by CapStar or Old National, in each case other than shares 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 held, directly or indirectly, as a result of debts previously contracted) will be converted into the right to receive 1.155 shares, which we refer to as the &#8220;exchange ratio&#8221;, of Old National common stock. No fractional shares of Old National shares will be issued in the merger and holders of CapStar common stock will be entitled to receive cash in lieu of fractional shares. Although the number of shares of Old National common stock that each CapStar shareholder will receive is fixed, the market value of the merger consideration will fluctuate with the market price of Old National common stock and will not be known at the time CapStar shareholders vote on the merger agreement. Based on the exchange ratio, and on the closing stock price of Old National common stock of $[&#8226;] as of [&#8199;&#8199;&#8199;&#8199;&#8199;], 2024, on the NASDAQ Stock Exchange, as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;">, the latest practicable trading day before the date of this proxy statement/prospectus, the value of the per share merger consideration payable to holders of CapStar common stock was approximately $[&#8226;] as of such date. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">We urge you to obtain current market quotations for Old National and CapStar, each currently traded on the NASDAQ Stock Exchange under the trading symbols &#8220;ONB&#8221; and &#8220;CSTR,&#8221; respectively.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Based on the number of shares of CapStar common stock outstanding as of the date of the merger agreement, Old National expects to issue approximately 23.9 million shares of Old National common stock to CapStar shareholders upon completion of the merger, which will result in current CapStar shareholders owning approximately 7.6% of outstanding Old National common stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger cannot be completed unless the merger agreement is adopted and approved by the affirmative vote of a majority of all issued and outstanding shares of CapStar entitled to vote thereon. The closing of the merger is also subject to the receipt of approvals of the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System and the satisfaction of the other conditions specified in the merger agreement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement will be voted on at a special meeting of CapStar shareholders, which will be held on [&#8199;&#8199;&#8199;&#8199;], 2024 at [&#8199;&#8199;&#8199;&#8199;], Eastern Time, at [&#8199;&#8199;&#8199;&#8199;]. At the special meeting, holders of CapStar common stock as of the close of business on [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;], 2024, the record date for the meeting, are entitled to notice of, and to vote at, the meeting to adopt and approve the merger agreement as described in this proxy statement/</font>&#8203;<font style="letter-spacing:0.2pt;">prospectus. CapStar shareholders as of the record date will also be asked to approve a compensation proposal on a non-binding, advisory basis and a proposal to adjourn the special meeting, if necessary or appropriate, to solicit additional proxies in favor of the proposal to adopt and approve the merger agreement, as described in this proxy statement/prospectus. An executive officer and each of the directors of CapStar, who are also CapStar shareholders, have entered into shareholder voting agreements with Old National pursuant to which they have agreed to vote &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the adoption and approval of the merger agreement, subject to the terms of the shareholder voting agreement. Additional information regarding the voting process for the CapStar special meeting is included in this proxy statement/prospectus. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">CapStar&#8217;s board of directors has determined and declared that the merger agreement, the merger, and the transactions contemplated by the merger agreement are advisable and in the best interests of CapStar and its </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.2pt;">shareholders, has unanimously adopted and approved the merger agreement, the merger and the transactions contemplated by the merger agreement, and unanimously recommends that CapStar shareholders vote &#8220;FOR&#8221; the proposal to approve the merger agreement, &#8220;FOR&#8221; the compensation proposal, and &#8220;FOR&#8221; the proposal to adjourn the special meeting, if necessary or appropriate, to solicit additional proxies in favor of the proposal to adopt and approve the merger agreement.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:normal;">
          <font style="letter-spacing:0.2pt;">This document, which serves as a proxy statement for the special meeting of CapStar shareholders and as a prospectus for the shares of Old National common stock to be issued in the merger to CapStar shareholders, describes the special meeting of CapStar shareholders, the merger, the documents related to the merger and other related matters. </font><font style="font-weight:bold;letter-spacing:-0.2pt;">Please carefully read this entire proxy statement/prospectus, including the &#8220;Risk Factors&#8221; section, beginning on page <a href="#tRIFA">18</a>, for a discussion of the risks relating to the proposed merger.</font><font style="letter-spacing:0.2pt;"> You can also obtain information about Old National from documents that it has filed with the U.S. Securities and Exchange Commission. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:normal;">
          <font style="letter-spacing:0.2pt;">If you have any questions concerning the merger, you should contact our Investor Relations department via (i)&#160;mail at CapStar Financial Holdings, Inc., 1201 Demonbreun Street, Suite 700, Nashville, Tennessee 37203, Attention: Investor Relations, (ii)&#160;email at ir@capstarbank.com or (iii)&#160;telephone at (615)&#160;732-6455. </font>
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          <font style="letter-spacing:0.2pt;">&#8199;</font>
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          <div style="margin-left: 0pt; width: 228pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:4pt; width:456pt; line-height:12pt;font-weight:normal;">
          <font style="letter-spacing:0.2pt;">Timothy K. Schools </font> <br ><font style="font-style:italic;letter-spacing:0.2pt;">President and Chief Executive Officer</font><font style="letter-spacing:0.2pt;"> </font> <br ><font style="letter-spacing:0.2pt;">CapStar Financial Holdings, Inc. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.2pt;">NEITHER THE SECURITIES AND EXCHANGE COMMISSION NOR ANY STATE SECURITIES REGULATORY AGENCY HAS APPROVED OR DISAPPROVED OF THE TRANSACTIONS DESCRIBED IN THIS PROXY STATEMENT/PROSPECTUS, PASSED UPON THE MERITS OR FAIRNESS OF THE MERGER OR RELATED TRANSACTIONS OR PASSED UPON THE ADEQUACY OR ACCURACY OF THE DISCLOSURE IN THIS PROXY STATEMENT/PROSPECTUS. ANY REPRESENTATION TO THE CONTRARY CONSTITUTES A CRIMINAL OFFENSE.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.2pt;">THE SECURITIES TO BE ISSUED IN THE MERGER ARE NOT SAVINGS OR DEPOSIT ACCOUNTS OR OTHER OBLIGATIONS OF ANY BANK OR NON-BANK SUBSIDIARY OF EITHER OLD NATIONAL OR CAPSTAR, AND THEY ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:-0.2pt;">This proxy statement/prospectus is dated [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024, and</font>
          <br >
          <font style="letter-spacing:-0.2pt;">is first being mailed or otherwise delivered to CapStar shareholders on or about [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024.</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">NOTICE OF SPECIAL MEETING OF SHAREHOLDERS </font>
          <br >
          <font style="letter-spacing:-0.2pt;">TO BE HELD ON [&#8199;&#8199;], 2024</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">To the Shareholders of CapStar Financial Holdings,&#160;Inc.: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">On October&#160;26, 2023, Old National Bancorp, which we refer to as &#8220;Old National&#8221; and CapStar Financial Holdings, Inc., which we refer to as &#8220;CapStar&#8221;, entered into an Agreement and Plan of Merger, which we refer to as the &#8220;merger agreement&#8221;, a copy of which is attached as </font><font style=" text-decoration:underline #000000 solid;font-style:italic;letter-spacing:0.2pt;">Annex A</font><font style="letter-spacing:0.2pt;"> to the accompanying proxy statement/prospectus, pursuant to which CapStar will merge with and into Old National, with Old National continuing as the surviving corporation, in a transaction we refer to as the &#8220;merger&#8221;. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Notice is hereby given that CapStar will hold a special meeting of its shareholders at [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], Eastern&#160;Time, on [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;], 2024, at [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;], for the following purposes: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">1.</font>
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          <font style="letter-spacing:0.2pt;">to consider and vote upon a proposal, which we refer to as the &#8220;merger proposal&#8221;, to adopt and approve the merger agreement; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
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          <font style="letter-spacing:0.2pt;">to consider and vote upon a proposal, which we refer to as the &#8220;compensation proposal&#8221;, to approve, on a non-binding, advisory basis, the merger-related named executive officer compensation that will or may be paid to CapStar&#8217;s named executive officers in connection with the merger; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">3.</font>
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          <font style="letter-spacing:0.2pt;">to consider and vote upon a proposal, which we refer to as the &#8220;adjournment proposal&#8221;, to adjourn the CapStar special meeting, if necessary or appropriate, to solicit additional proxies in favor of the merger proposal. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">No other business will be conducted at the special meeting. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Our board of directors has fixed the close of business on [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024 as the record date for the CapStar special meeting. Only holders of record of CapStar common stock as of the close of business on the record date are entitled to notice of, and to vote at, the CapStar special meeting, or any adjournment or postponement thereof. Approval of the merger proposal requires the affirmative vote of a majority of all issued and outstanding shares of CapStar entitled to vote thereon. An executive officer and each of the directors of CapStar, who are also shareholders of CapStar, have entered into shareholder voting agreements with Old National pursuant to which they have agreed to vote &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the merger proposal, subject to the terms of the shareholder voting agreements. </font>
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          <font style="font-weight:bold;letter-spacing:-0.2pt;">Your vote is very important.</font><font style="letter-spacing:0.2pt;"> We cannot complete the merger unless CapStar shareholders approve the merger proposal. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Whether or not you plan to attend the special meeting in person or by proxy, we urge you to vote now to make sure there will be a quorum for the special meeting. Please vote as soon as possible. If you hold stock in your name as a shareholder of record, please complete, sign, date and return the accompanying proxy card in the enclosed postage-paid return envelope as described on the proxy card. The giving of an appointment of proxy will not affect your right to revoke it or attend the special meeting and vote in person. If you hold your stock in &#8220;street name&#8221; through a bank, broker or other nominee, please follow the instructions on the voting instruction card furnished by the record holder.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The enclosed proxy statement/prospectus provides a detailed description of the special meeting, the merger, the documents related to the merger (including the merger agreement) and other related matters. We urge you to read the proxy statement/prospectus, including any documents incorporated in the proxy statement/prospectus by reference, and its annexes and exhibits carefully and in their entirety. If you have any questions concerning the merger or the proxy statement/prospectus, would like additional copies of the proxy statement/prospectus, or need help voting your shares of CapStar common stock, you should contact our Investor Relations department via (i)&#160;mail at CapStar Financial Holdings, Inc., 1201 Demonbreun Street, Suite 700, Nashville, Tennessee 37203, Attention: Investor Relations, (ii)&#160;email at ir@capstarbank.com or (iii)&#160;telephone at (615) 732-6455. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">CapStar&#8217;s board of directors has determined and declared that the merger agreement, the merger and the transactions contemplated by the merger agreement are advisable and in the best interests of CapStar and its </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.2pt;">shareholders, has unanimously adopted and approved the merger agreement, the merger and the transactions contemplated by the merger agreement, and unanimously recommends that CapStar shareholders vote &#8220;FOR&#8221; the proposal to adopt and approve the merger agreement, &#8220;FOR&#8221; the compensation proposal, and &#8220;FOR&#8221; the proposal to adjourn the CapStar&#160;special meeting, if necessary or appropriate, to solicit additional proxies in favor of the merger proposal.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">[&#8199;&#8199;&#8199;&#8199;&#8199;], 2024 </font>
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          <font style="letter-spacing:0.2pt;">By Order of the Board of Directors </font>
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          <div style="margin-left: 0pt; width: 216pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">James S. Turner, Jr. </font> <br ><font style="font-style:italic;letter-spacing:0.2pt;">Chairman</font><font style="letter-spacing:0.2pt;"> </font> <br ><font style="letter-spacing:0.2pt;">CapStar Financial Holdings, Inc.</font></div>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;height:660pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">ADDITIONAL INFORMATION</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">This proxy statement/prospectus incorporates important business and financial information about Old National and CapStar from documents filed with the U.S. Securities and Exchange Commission, which we refer to as the &#8220;SEC&#8221;, that are not included in or delivered with this proxy statement/prospectus. You can obtain any of the documents filed with or furnished to the SEC by Old National or by CapStar at no cost from the SEC&#8217;s website at www.sec.gov. You may also request copies of these documents, including documents incorporated by reference in this proxy statement/prospectus, at no cost by requesting them in writing or by telephone at the appropriate address below: </font>
        </div>
        <div style="margin-left:40pt; margin-top:8pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For Old National documents incorporated by reference: </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National Bancorp</font>
          <br >
          <font style="letter-spacing:0.2pt;">One Main Street</font>
          <br >
          <font style="letter-spacing:0.2pt;">Evansville, Indiana 47708</font>
          <br >
          <font style="letter-spacing:0.2pt;">(773) 765-7675</font>
          <br >
          <font style="letter-spacing:0.2pt;">Attention: Corporate Secretary </font>
        </div>
        <div style="margin-left:40pt; margin-top:8pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For CapStar documents incorporated by reference: </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">CapStar Financial Holdings, Inc.</font>
          <br >
          <font style="letter-spacing:0.2pt;">1201 Demonbreun Street, Suite 700</font>
          <br >
          <font style="letter-spacing:0.2pt;">Nashville, Tennessee 37203</font>
          <br >
          <font style="letter-spacing:0.2pt;">Attn: Investor Relations</font>
          <br >
          <font style="letter-spacing:0.2pt;">Telephone: (615) 732-6455 </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">You will not be charged for any of these documents that you request. To obtain timely delivery of these documents, CapStar shareholders must request them no later than five business days before the date of the CapStar special meeting. This means that CapStar shareholders requesting documents must do so by [&#8199;&#8199;&#8199;&#8199;], 2024.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You should rely only on the information contained in, or incorporated by reference into, this proxy statement/prospectus. No one has been authorized to provide you with information that is different from that contained in, or incorporated by reference into, this proxy statement/prospectus. You should assume that the information in this proxy statement/prospectus is accurate only as of the date of this proxy statement/</font>&#8203;<font style="letter-spacing:0.2pt;">prospectus. You should assume that the information incorporated by reference to another document into this proxy statement/prospectus is accurate as of the date of such document. Neither the mailing of this proxy statement/prospectus to CapStar shareholders, nor the issuance by Old National of shares of its common stock in connection with the merger, will create any implication to the contrary. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">This proxy statement/prospectus does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, or the solicitation of a proxy, in any jurisdiction to or from any person to whom it is unlawful to make any such offer or solicitation in such jurisdiction. Except where the context otherwise indicates, information contained in this proxy statement/prospectus regarding Old National has been provided by Old National and information contained in this proxy statement/prospectus regarding CapStar has been provided by CapStar. </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">See the section entitled &#8220;Where You Can Find More Information&#8221; for more details.</font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="TOC">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">TABLE OF CONTENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:623.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:422.72pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">PAGE </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tQAAA"><font style="letter-spacing:0.2pt;">QUESTIONS AND ANSWERS ABOUT THE MERGER AND THE SPECIAL MEETING</font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tQAAA">1</a></font> <a href="#tQAAA"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tSUM"><font style="letter-spacing:0.2pt;">SUMMARY </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSUM">9</a></font> <a href="#tSUM"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tCSRF"><font style="letter-spacing:0.2pt;">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tCSRF">16</a></font> <a href="#tCSRF"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tRIFA"><font style="letter-spacing:0.2pt;">RISK FACTORS </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tRIFA">18</a></font> <a href="#tRIFA"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tIATC"><font style="letter-spacing:0.2pt;">INFORMATION ABOUT THE CAPSTAR SPECIAL MEETING </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tIATC">23</a></font> <a href="#tIATC"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tTDAP"><font style="letter-spacing:0.2pt;">Time, Date, and Place </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tTDAP">23</a></font> <a href="#tTDAP"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tMTBC"><font style="letter-spacing:0.2pt;">Matters to Be Considered </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tMTBC">23</a></font> <a href="#tMTBC"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tROCB"><font style="letter-spacing:0.2pt;">Recommendation of CapStar&#8217;s Board of Directors </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tROCB">23</a></font> <a href="#tROCB"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tRDAQ"><font style="letter-spacing:0.2pt;">Record Date and Quorum </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tRDAQ">23</a></font> <a href="#tRDAQ"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tREVO"><font style="letter-spacing:0.2pt;">Required Vote </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tREVO">24</a></font> <a href="#tREVO"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tHTAA"><font style="letter-spacing:0.2pt;">How to Attend and Vote </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tHTAA">24</a></font> <a href="#tHTAA"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tPRO"><font style="letter-spacing:0.2pt;">Proxies </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tPRO">24</a></font> <a href="#tPRO"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tAODR"><font style="letter-spacing:0.2pt;">Appraisal or Dissenters&#8217; Rights in the Merger </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tAODR">52</a></font> <a href="#tAODR"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tTMA"><font style="letter-spacing:0.2pt;">THE MERGER AGREEMENT </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tTMA">53</a></font> <a href="#tTMA"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tENRT"><font style="letter-spacing:0.2pt;">Explanatory Note Regarding the Merger Agreement </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tENRT">53</a></font> <a href="#tENRT"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tSOTM"><font style="letter-spacing:0.2pt;">Structure of the Merger </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSOTM">53</a></font> <a href="#tSOTM"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tMECO"><font style="letter-spacing:0.2pt;">Merger Consideration </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tMECO">54</a></font> <a href="#tMECO"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tFRSH"><font style="letter-spacing:0.2pt;">Fractional Shares </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tFRSH">54</a></font> <a href="#tFRSH"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tGODO"><font style="letter-spacing:0.2pt;">Governing Documents </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tGODO">54</a></font> <a href="#tGODO"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tTOCE"><font style="letter-spacing:0.2pt;">Treatment of CapStar Equity Awards </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tTOCE">54</a></font> <a href="#tTOCE"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tCAET"><font style="letter-spacing:0.2pt;">Closing and Effective Time of the Merger </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tCAET">55</a></font> <a href="#tCAET"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tEOS"><font style="letter-spacing:0.2pt;">Exchange of Shares </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tEOS">55</a></font> <a href="#tEOS"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tRAW"><font style="letter-spacing:0.2pt;">Representations and Warranties </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:10.5pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tRAW">56</a></font> <a href="#tRAW"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">i</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="TOC2">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:272.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:338.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:422.72pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">PAGE </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tCAA"><font style="letter-spacing:0.2pt;">Covenants and Agreements </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tCAA">58</a></font> <a href="#tCAA"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tANTS"><font style="letter-spacing:0.2pt;">Agreement Not to Solicit Other Offers </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tANTS">63</a></font> <a href="#tANTS"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tCTCT"><font style="letter-spacing:0.2pt;">Conditions to Complete the Merger </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tCTCT">63</a></font> <a href="#tCTCT"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tTOTM1"><font style="letter-spacing:0.2pt;">Termination of the Merger Agreement </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tTOTM1">64</a></font> <a href="#tTOTM1"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.72pt;text-align:left;">
              <div style="margin-left:10pt;">
                <a href="#tEOT"><font style="letter-spacing:0.2pt;">Effect of Termination </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tEOT">65</a></font> <a href="#tEOT"></a></td>
            <td style="padding:0pt;padding-left:2.62pt;width:0pt;">&#8203;</td>
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                <a href="#tSVA"><font style="letter-spacing:0.2pt;">SHAREHOLDER VOTING AGREEMENTS </font></a>
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                <a href="#tCOSR"><font style="letter-spacing:0.2pt;">COMPARISON OF SHAREHOLDERS&#8217; RIGHTS </font></a>
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                <a href="#tLEMA"><font style="letter-spacing:0.2pt;">LEGAL MATTERS </font></a>
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                <a href="#tEXP"><font style="letter-spacing:0.2pt;">EXPERTS </font></a>
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              <font style="letter-spacing:0.2pt;"><a href="#tEXP">82</a></font> <a href="#tEXP"></a></td>
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                <a href="#tDFSS"><font style="letter-spacing:0.2pt;">DEADLINES FOR SUBMITTING SHAREHOLDER PROPOSALS </font></a>
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              <div style="white-space:nowrap;">
                <a href="#tWYCF"><font style="letter-spacing:0.2pt;">WHERE YOU CAN FIND MORE INFORMATION </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <font style="letter-spacing:0.2pt;"><a href="#tWYCF">84</a></font> <a href="#tWYCF"></a></td>
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              <div style="white-space:nowrap;">
                <a href="#tAAAA"><font style="letter-spacing:0.2pt;">Annex A&#8201;&#8211;&#8201;Agreement and Plan of Merger </font></a>
              </div>
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              <div style="white-space:nowrap;">
                <a href="#tABFO"><font style="letter-spacing:0.2pt;">Annex B&#8201;&#8211;&#8201;Form of Shareholder Voting Agreement </font></a>
              </div>
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              <div style="white-space:nowrap;">
                <a href="#tACOO"><font style="letter-spacing:0.2pt;">Annex C&#8201;&#8211;&#8201;Opinion of Morgan Stanley &amp; Co. LLC </font></a>
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              <font style="letter-spacing:0.2pt;"><a href="#tACOO">C-1</a></font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">ii</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tQAAA">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">QUESTIONS AND ANSWERS ABOUT THE MERGER AND THE SPECIAL MEETING</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The following are some questions that you may have about the merger and the CapStar special meeting, and brief answers to those questions. We urge you to read carefully the remainder of this proxy statement/</font>&#8203;<font style="letter-spacing:-0.2pt;">prospectus because the information in this section does not provide all of the information that might be important to you with respect to the merger or the CapStar special meeting. Additional important information is also contained in the documents incorporated by reference into this proxy statement/prospectus. See &#8220;Where You Can Find More Information.&#8221;</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font></div>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">What is the merger?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Old National and CapStar have entered into an Agreement and Plan of Merger, dated as of October&#160;26, 2023, which we refer to as the &#8220;merger agreement&#8221;. Under the merger agreement, CapStar will merge with and into Old National in a transaction we refer to as the &#8220;merger&#8221;, with Old National as the surviving corporation in the merger. Immediately following the merger, or at a later time as determined by Old National, 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 Old National&#8217;s wholly owned subsidiary, Old National Bank, a national banking association, in a transaction we refer to as the &#8220;bank merger&#8221;, with Old National Bank as the surviving bank. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the terms and subject to the conditions set forth in the merger agreement, CapStar shareholders will receive Old National common stock for their shares of CapStar common stock (plus cash in lieu of fractional shares). At the effective time of the merger, each outstanding share of CapStar common stock (except for treasury stock or shares owned by CapStar or Old National, in each case other than shares (x)&#160;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)&#160;held, directly or indirectly, as a result of debts previously contracted) will be converted into the right to receive 1.155 shares, which we refer to as the exchange ratio, of Old National common stock. No fractional shares of Old National shares will be issued in the merger and holders of CapStar common stock will be entitled to receive cash in lieu of fractional shares. Although the number of shares of Old National common stock that each CapStar shareholder will receive is fixed, the market value of the merger consideration will fluctuate with the market price of Old National common stock and will not be known at the time CapStar shareholders vote on the merger agreement. Based on the exchange ratio, and on the closing stock price of Old National common stock of $[&#8226;] as of [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199;], 2024, on the NASDAQ Stock Exchange (&#8220;NASDAQ&#8221;), as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;">, the latest practicable trading day before the date of this proxy statement/prospectus, the value of the per share merger consideration payable to holders of CapStar common stock was approximately $[&#8226;] as of such date. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">As a result of the foregoing, based on the number of shares of Old National common stock and CapStar common stock outstanding as of October&#160;26, 2023, the date of the merger agreement, it is expected that Old National shareholders will hold approximately 92.4%, and CapStar shareholders will hold approximately 7.6%, of the shares of the combined company outstanding immediately after the effective time of the merger, which we refer to as the effective time. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger cannot be completed unless the merger agreement is adopted and approved by the affirmative vote of a majority of all issued and outstanding shares of CapStar entitled to vote thereon. The closing of the merger is also subject to the receipt of approvals of the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System and the satisfaction of the other conditions specified in the merger agreement. </font>
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        <div style=" float:left; line-height:12pt; margin-top:11.21pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">Why am I receiving this proxy statement/prospectus?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">We are delivering this document to you because it is a proxy statement being used by the CapStar board of directors to solicit proxies of CapStar shareholders in connection with approval and adoption of the merger agreement and related matters. It describes the proposals to be presented at the special meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">This document is also a prospectus that is being delivered to CapStar shareholders because, in connection with the merger, Old National will be issuing to CapStar shareholders shares of Old National common stock as merger consideration. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-left:20pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">This proxy statement/prospectus contains important information about the merger agreement, the merger and other related matters, the proposals being voted on at the CapStar special meeting, and important information to consider in connection with an investment in Old National common stock. You should read it carefully and in its entirety. The enclosed materials allow you to have your shares of CapStar common stock voted by proxy without attending the CapStar special meeting. Your vote is important, and we encourage you to submit your proxy as soon as possible, whether or not you intend to attend the CapStar special meeting. </font>
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        <div style=" float:left; line-height:12pt; margin-top:12.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:12.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">What are CapStar shareholders being asked to vote on at the CapStar special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">CapStar is soliciting proxies from its shareholders with respect to the following proposals: </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.4pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to adopt and approve the merger agreement, which we refer to as the &#8220;merger proposal&#8221;; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.99pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:6.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to approve, on a non-binding, advisory basis, the merger-related named executive officer compensation that will or may be paid to CapStar&#8217;s named executive officers in connection with the merger, which we refer to as the &#8220;compensation proposal&#8221;; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to adjourn the CapStar special meeting, if necessary or appropriate, to permit further solicitation of proxies in favor of the merger proposal, which we refer to as the &#8220;adjournment proposal&#8221;. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:13pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">What will CapStar shareholders receive in the merger?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Pursuant to the terms and subject to the conditions set forth in the merger agreement, CapStar shareholders will receive Old National common stock for their shares of CapStar common stock (plus cash in lieu of fractional shares). Upon completion of the merger, CapStar shareholders will receive 1.155 shares of Old National common stock, which we refer to as the &#8220;exchange ratio&#8221;, for each share of CapStar common stock held immediately prior to the merger. Based on the exchange ratio, and on the closing stock price of Old National common stock of $[&#8226;] as of [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;], 2024, on NASDAQ, as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;">, the latest practicable trading day before the date of this proxy statement/prospectus, the value of the per share merger consideration payable to holders of CapStar common stock was approximately $[&#8226;] as of such date. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National will not issue any fractional shares of Old National common stock in the merger. CapStar shareholders who would otherwise be entitled to a fraction of a share of Old National common stock upon the completion of the merger will instead receive, for such fraction of a share, an amount in cash (rounded to the nearest cent) equal to the product of (i)&#160;the average closing sale price of Old National common stock on the five full trading days ending on the trading day immediately preceding the closing date of the merger on NASDAQ, as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">multiplied by</font><font style="letter-spacing:0.2pt;"> (ii)&#160;the fraction of a share (rounded to the nearest one-thousandth when expressed in decimal form) of Old National common stock which such CapStar shareholder would otherwise be entitled to receive pursuant to the merger agreement. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="font-weight:bold;letter-spacing:-0.2pt;">For illustrative purposes only</font><font style="letter-spacing:0.2pt;">, the following table summarizes the approximate pre-tax merger consideration that would be received by CapStar shareholders for each share of CapStar common stock that they own, assuming [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024 as the consummation date for the merger. </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:283.88pt;">
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                <font style="letter-spacing:-0.2pt;">Shares of CapStar common stock</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:3.75pt; text-align:center;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:27pt; white-space:nowrap;text-align:center;">1,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:67.71pt;">
              <div style="font-style:italic;">
                <font style="letter-spacing:0.2pt;">(A)</font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.88pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Ratio </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:center;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27pt; white-space:nowrap;text-align:center;">1.155</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:67.71pt;">
              <div style="font-style:italic;">
                <font style="letter-spacing:0.2pt;">(B)</font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.88pt;">
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                <font style="letter-spacing:0.2pt;">Shares of Old National common stock received </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:center;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27pt; white-space:nowrap;text-align:center;">1,155</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:67.71pt;">
              <div style="white-space:nowrap;font-style:italic;">
                <font style="letter-spacing:0.2pt;">(A)*(B) = (C)</font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.88pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Price per share of Old National common stock</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">(1)</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:center;">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27pt; white-space:nowrap;text-align:center;">[&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;]</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:67.71pt;">
              <div style="font-style:italic;">
                <font style="letter-spacing:0.2pt;">(D)</font>
              </div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.88pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total value of Old National common stock received </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:center;">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27pt; white-space:nowrap;text-align:center;">[&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;]</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <div style="font-style:italic;">
                <font style="letter-spacing:0.2pt;">(C)*(D)</font>
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          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Average closing sale price of Old National common stock on the five full trading days immediately preceding the closing date of the merger on NASDAQ, as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">2</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-left:20pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The trading price of Old National common stock will continue to fluctuate until the date the merger is consummated. For further information, see &#8220;The Merger&#8201;&#8212;&#8201;Terms of the Merger.&#8221; </font>
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        <div style=" float:left; line-height:12pt; margin-top:12pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
          <br >
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">Will the value of the merger consideration change between the date of this proxy statement/prospectus and the time the merger is completed?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Yes. Although the merger consideration exchange ratio is fixed, the value of the merger consideration will fluctuate between the date of this proxy statement/prospectus and the completion of the merger based upon the market value of Old National common stock. Any fluctuation in the market price of Old National common stock after the date of this proxy statement/prospectus will change the value of the shares of Old National common stock that CapStar shareholders will receive. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Based on the closing price per share of Old National common stock on NASDAQ as of October&#160;25, 2023, the last trading day before the date of public announcement of the merger, and the exchange ratio of 1.155, the value of the per share merger consideration payable to holders of CapStar common stock was approximately $15.41 per share as of such date. Based on the exchange ratio of 1.155, and on the closing stock price of Old National common stock of $[&#8226;] as of [&#8199;&#8199;&#8199;&#8199;&#8199;], 2024, on NASDAQ, as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;">, the latest practicable trading day before the date of this proxy statement/prospectus, the value of the per share merger consideration payable to holders of CapStar common stock was approximately $[&#8226;] as of such date. We urge you to obtain current market quotations for Old National and CapStar, each currently traded on NASDAQ under the trading symbols &#8220;ONB&#8221; and &#8220;CSTR,&#8221; respectively. </font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">How will the merger affect CapStar equity awards?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">At the effective time of the merger: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">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; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">each award of a share of 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 Old National and converted into a restricted stock award with respect to the number of shares of Old National common stock determined based on the exchange ratio and with the same remaining vesting period applicable to the new restricted stock award, 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; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">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 Old National and converted into a restricted stock unit award with respect to the number of shares of Old National common stock determined based on the exchange ratio and with the same remaining vesting period applicable to the new restricted stock award; and </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">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 and 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, less applicable tax withholding. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">3</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">Does Old National pay regular dividends on its shares of common stock?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Yes, Old National has traditionally paid a quarterly dividend on its shares of common stock. The payment of dividends is subject to approval by Old National&#8217;s board of directors as well as legal and regulatory restrictions and safety and soundness considerations. Any payment of dividends in the future will depend, in large part, on Old National&#8217;s earnings, capital requirements, financial condition, and other factors considered relevant by its board of directors. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">Old National declared quarterly cash dividends of $0.14 per share on its common stock in each of 2023, 2022, and 2021. The amount of quarterly cash dividends paid on shares of Old National common stock is subject to change based on the quarterly dividend amounts approved by the Old National board of directors. For illustrative purposes only, a holder of [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;] shares of Old National common stock would have received approximately $[&#8226;] in dividend payments in 2023. By way of comparison, in 2023, CapStar paid its shareholders a total dividend of $0.43 per share (equivalent to [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;] shares of Old National common stock). </font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">What are the U.S. federal income tax consequences of the merger to CapStar shareholders?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">It is intended that the merger will qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code, and the merger agreement is intended to be and is adopted as a plan of reorganization for purposes of Sections&#160;354 and 361 of the Code. It is a condition to the completion of the merger that each party receives a written opinion from its counsel to the effect that the merger shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. If the merger so qualifies, a U.S. holder (as defined under &#8220;Material U.S. Federal Income Tax Consequences of the Merger&#8221;) of CapStar common stock generally will not recognize any gain or loss upon the exchange of CapStar common stock for Old National common stock, except with respect to cash received in lieu of fractional shares of Old National common stock. For further information, see &#8220;Material U.S. Federal Income Tax Consequences of the Merger.&#8221; </font>
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          <font style="letter-spacing:0.2pt;">CapStar shareholders should consult their own tax advisors for a full understanding of the particular tax consequences of the merger to them.</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">Are there any risks that I should consider in deciding whether to vote for the approval of the merger proposal, or the other proposals to be considered at the special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Yes. You should read and carefully consider the risk factors set forth in the section entitled &#8220;Risk Factors&#8221;. You also should read and carefully consider the risk factors of CapStar and Old National contained in the documents that are incorporated by reference into this proxy statement/prospectus. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">If I am a CapStar shareholder, should I send in my CapStar stock certificate(s) now?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">No. Please do not send in your CapStar stock certificate(s) with your proxy. After the merger, an exchange agent will send you instructions for exchanging CapStar stock certificates for the merger consideration. See &#8220;The Merger Agreement&#8201;&#8212;&#8201;Exchange of Shares.&#8221; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
          <br >
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          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">What should I do if I hold my shares of CapStar common stock in book-entry form?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">If your shares of CapStar common stock are held in book-entry form, you are not required to take any additional actions in connection with the conversion of your shares of CapStar common stock into shares of Old National common stock at the effective time. After the completion of the merger, shares of CapStar common stock held in book-entry form will automatically be exchanged for book-entry shares of Old National common stock. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
          <br >
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          <font style="letter-spacing:-0.2pt;">How does the CapStar board of directors recommend that I vote at the CapStar special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The CapStar board of directors unanimously recommends that you vote &#8220;FOR&#8221; the merger proposal, &#8220;FOR&#8221; the compensation proposal, and &#8220;FOR&#8221; the adjournment proposal. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">4</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">When and where is the CapStar special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The CapStar special meeting will be held on [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;], 2024 at [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;], Eastern Time, at [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;]. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Even if you plan to attend the CapStar special meeting, we recommend that you vote your shares in advance as described below so that your vote will be counted if you later decide not to or become unable to attend the special meeting. </font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">What constitutes a quorum for the CapStar special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">A majority of the voting power of the outstanding shares entitled to vote at the meeting, present in person or represented by proxy, shall constitute a quorum for the transaction of business. Abstentions will be included in determining the number of shares present at the meeting for the purpose of determining the presence of a quorum. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">What is the vote required to approve each proposal at the CapStar special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <table style="border-collapse:collapse;width:456pt;margin-top:8pt;margin-left:0pt;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="width:20.1pt;padding:0pt;">
              <font style="letter-spacing:0.2pt;">A:</font>
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              <font style="letter-spacing:0.2pt;">A:</font>
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              <font style="font-style:italic;letter-spacing:0.2pt;">Merger proposal</font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Standard:&nbsp;&nbsp;&nbsp;Approval of the merger proposal requires the affirmative vote of a majority of all issued and outstanding shares of CapStar entitled to vote thereon. </font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:50pt;">
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          <font style="letter-spacing:0.2pt;">Effect of abstentions and broker non-votes: If you fail to vote, mark &#8220;ABSTAIN&#8221; on your proxy card, or fail to instruct your bank, broker or other nominee with respect to the merger proposal, it will have the same effect as a vote &#8220;AGAINST&#8221; the proposal. </font>
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          <font style="letter-spacing:0.2pt;">B:</font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Compensation proposal</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Standard:&nbsp;&nbsp;&nbsp;Approval of the compensation proposal requires the votes cast at the special meeting favoring the proposal to exceed the votes cast opposing the proposal. </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Effect of abstentions and broker non-votes: If you fail to vote, mark &#8220;ABSTAIN&#8221; on your proxy card, or fail to instruct your bank, broker or other nominee with respect to the merger proposal, it will have no effect on the outcome of the proposal. </font>
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          <font style="letter-spacing:0.2pt;">C:</font>
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          <!--blacklining:none;-->
          <font style="font-style:italic;letter-spacing:0.2pt;">Adjournment proposal</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:50pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Standard:&nbsp;&nbsp;&nbsp;Approval of the adjournment proposal requires the votes cast at the special meeting favoring the proposal to exceed the votes cast opposing the proposal. </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:50pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Effect of abstentions and broker non-votes: If you fail to vote, mark &#8220;ABSTAIN&#8221; on your proxy card, or fail to instruct your bank, broker or other nominee with respect to the adjournment proposal, it will have no effect on the outcome of the proposal. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">Are there any CapStar shareholders already committed to voting in favor of the merger proposal?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">An executive officer and each of the directors of CapStar, who are also shareholders of CapStar, have entered into shareholder voting agreements pursuant to which they have agreed to vote in favor of the approval and adoption of the merger agreement, subject to the terms of the shareholder voting agreement. As of the record date for the CapStar special meeting, the executive officer and directors collectively and beneficially owned approximately [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;]% of the outstanding shares of CapStar common stock. For information regarding the shareholder voting agreements and certain holders of shares of CapStar common stock, see &#8220;Shareholder Voting Agreements.&#8221; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">Why is my vote important?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">If you do not vote, it will be more difficult for CapStar to obtain the necessary quorum to hold the CapStar special meeting. In addition, your failure to submit a proxy or vote in person, or failure to instruct your bank, broker or other nominee how to vote, or abstention, will have the same effect as a vote &#8220;AGAINST&#8221; the merger proposal. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">5</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">Why am I being asked to consider and vote on the compensation proposal?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Under SEC rules, CapStar is required to seek a non-binding, advisory vote with respect to the compensation that may be paid or become payable to its named executive officers that is based on or otherwise relates to the merger. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:10.61pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
          <br >
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        <div style=" margin-top:10.61pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">What happens if holders of CapStar Common Stock do not approve, by non-binding, advisory vote, the compensation proposal?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">The vote on the compensation proposal is separate and apart from the votes to approve the other proposals being presented at the CapStar special meeting. Because the vote on the compensation proposal is advisory in nature only, it will not be binding upon CapStar, Old National, or the combined company in the merger. Accordingly, the merger-related compensation will be paid to CapStar&#8217;s named executive officers to the extent payable in accordance with the terms of their compensation agreements and arrangements even if the holders of CapStar common stock do not approve the compensation proposal. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:10.61pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
          <br >
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        <div style=" margin-top:10.61pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">Who is entitled to vote at the CapStar special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The record date for the CapStar special meeting is [&#8199;], 2024. All holders of CapStar common stock who held shares at the close of business on the record date for the special meeting are entitled to receive notice of, and to vote at, the CapStar special meeting. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Each holder of CapStar common stock is entitled to cast one (1)&#160;vote on each matter voted on at the special meeting for each share of CapStar common stock that such holder owned of record as of the record date. As of the close of business on the record date for the CapStar special meeting, there were [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;] outstanding shares of CapStar common stock. Physical attendance at the special meeting is not required to vote. </font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">What do I need to do now?</font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">After you have carefully read this proxy statement/prospectus and have decided how you wish to vote your shares of CapStar common stock, please vote your shares promptly so that your shares are represented and voted at the CapStar special meeting. If you hold your shares in your name as a shareholder of record, you must complete, sign, date and mail your proxy card in the enclosed postage-paid return envelope as soon as possible. If you hold your shares in &#8220;street name&#8221; through a bank, broker or other nominee, you must direct your bank, broker or other nominee how to vote in accordance with the voting instruction card.</font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">How can I vote my shares of CapStar common stock?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">A holder of CapStar common stock may vote by proxy or in person at the CapStar special meeting. If you hold your shares of CapStar common stock in your name as a holder of record, to submit a proxy, you, as a holder of CapStar common stock, may use one of the following methods: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">By telephone</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;by calling the toll-free number indicated on the accompanying proxy card and following the recorded instructions. </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Through the Internet</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;by visiting the website indicated on the accompanying proxy card and following the instructions. </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.31pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">By mail</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;by completing and returning the accompanying proxy card in the enclosed postage-paid envelope. The envelope requires no additional postage if mailed in the United States. </font>
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          <font style="letter-spacing:0.2pt;">If you intend to submit your proxy by telephone or via the Internet, you must do so by 11:59&#160;p.m., Eastern Time, on [the day before the special meeting]. If you intend to submit your proxy by mail, your completed proxy card must be received prior to the special meeting. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If a holder&#8217;s shares are held in &#8220;street name&#8221; by a bank, broker, or other nominee, the holder should check the voting form used by that firm to determine whether the holder may vote by telephone or the Internet. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">6</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:20pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Even if you plan to attend the CapStar special meeting, we recommend that you vote your shares in advance as described below so that your vote will be counted if you later decide not to or become unable to attend the special meeting. </font>
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        <div style=" float:left; line-height:12pt; margin-top:12.29pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:12.29pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">If my shares are held in &#8220;street name&#8221; by my bank or broker, will my bank or broker automatically vote my shares for me?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">No. Your bank or broker cannot vote your shares without instructions from you. If your shares are held in &#8220;street name&#8221; through a bank, broker or other nominee, you must provide the record holder of your shares of CapStar common stock with instructions on how to vote the shares. Please follow the voting instructions provided by the bank or broker. You may not vote shares held in street name by returning a proxy card directly to CapStar, or by voting in person at the CapStar special meeting, unless you provide a &#8220;legal proxy,&#8221; which you must obtain from your broker, bank, or other nominee. Further, brokers, banks, or other nominees who hold shares of CapStar common stock on behalf of their customers may not give a proxy to CapStar to vote those shares with respect to any of the proposals without specific instructions from their customers, as brokers, banks, and other nominees do not have discretionary voting power on these matters. Failure to instruct your bank or broker how to vote will have the same effect as a vote &#8220;AGAINST&#8221; the merger proposal. </font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:12.29pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">Can I change my vote after I have delivered my proxy or voting instruction card?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Yes. If you are the record holder of your shares, you may revoke your proxy in any of the following ways: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Re-submitting your vote via the Internet or by telephone, by 11:59&#160;P.M., Eastern Time on [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.5pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">Submitting another properly completed proxy card bearing a later date which is received prior to the meeting date; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.5pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Attending the special meeting in person, notifying the corporate secretary and voting by ballot at the special meeting; or </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.5pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">Submitting a written notice that you are revoking your proxy. The notice must be sent to 1201&#160;Demonbreun Street, Suite 700, Nashville, Tennessee 37203, Attention: Corporate Secretary, and must be received by 11:59&#160;P.M., Eastern Time on [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If your shares are held by a broker, bank, or other nominee, you should contact your broker, bank, or other nominee to change your vote. </font>
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        <div style=" float:left; line-height:12pt; margin-top:12.3pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:12.3pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">What should I do if I receive more than one set of voting materials?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">CapStar shareholders may receive more than one set of voting materials, including multiple copies of this proxy statement/prospectus and multiple proxy cards or voting instruction cards. For example, if you hold shares of CapStar common stock in more than one brokerage account, you will receive a separate voting instruction card for each brokerage account in which you hold such shares. If you are a holder of record of CapStar common stock and your shares are registered in more than one name, you will receive more than one proxy card. Please complete, sign, date and return each proxy card and voting instruction card that you receive or otherwise follow the voting instructions set forth in this proxy statement/prospectus to ensure that you vote every share of CapStar common stock that you own. </font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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          <font style="letter-spacing:-0.2pt;">Will CapStar be required to submit the merger proposal to its shareholders even if the CapStar board of directors has withdrawn, modified or qualified its recommendation?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Yes. Unless the merger agreement is terminated before the CapStar special meeting, CapStar is required to submit the merger proposal to its shareholders even if the CapStar board of directors has withdrawn, modified or qualified its recommendation that CapStar shareholders adopt and approve the merger agreement. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">7</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:332pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">Are CapStar shareholders entitled to appraisal rights?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">No, under Tennessee law, CapStar shareholders are not entitled to appraisal rights. </font>
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        <div style=" float:left; line-height:12pt; margin-top:12pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
          <br >
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">When do you expect to complete the Merger?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">Old National and CapStar expect to complete the merger in the second quarter of 2024. However, neither Old National nor CapStar can assure you of when or if the merger will be completed. CapStar must obtain the approval of the merger proposal by the CapStar shareholders at the CapStar special meeting, and Old National must obtain necessary regulatory approvals. In addition, each party is required to satisfy certain other closing conditions. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:12pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q:</font>
          <br >
        </div>
        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">What happens if the merger is not completed?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">If the merger is not completed, CapStar shareholders will not receive any consideration for their shares of CapStar common stock in connection with the merger. Instead, CapStar will remain an independent company and your shares of CapStar common stock will remain outstanding. In addition, if the merger agreement is terminated in certain circumstances, a termination fee may be required to be paid by CapStar to Old National. See &#8220;The Merger Agreement&#8201;&#8212;&#8201;Termination Fee&#8221; for a complete discussion of the circumstances under which any such termination fee would be required to be paid. </font>
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          <font style="letter-spacing:-0.2pt;">Q:</font>
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">Whom should I call with questions?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">If you have any questions concerning the merger or this proxy statement/prospectus, would like additional copies of this proxy statement/prospectus, or need help voting your shares of CapStar common stock, please contact Mediant Communications, Inc.&#8201;&#8212;&#8201;a BetaNXT Company at&#160;888-879-6695.</font>
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          <font style="letter-spacing:0.2pt;">8</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tSUM">&#8203;</a>
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            <font style="letter-spacing:-0.2pt;">SUMMARY</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">This summary highlights selected information from this proxy statement/prospectus. It may not contain all of the information that is important to you. We urge you to read carefully the entire proxy statement/ prospectus, including the annexes and exhibits, and the other documents to which we refer in order to fully understand the merger. In addition, we incorporate by reference important business and financial information about CapStar and Old National into this proxy statement/prospectus. You may obtain the information incorporated by reference into this proxy statement/prospectus without charge by&#160;following the instructions in the section entitled &#8220;Where You Can Find More Information.&#8221; Each item in this summary refers to the page of this proxy statement/prospectus on which the subject is discussed in more detail.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:-0.2pt;">The Merger (page&#160;31)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The terms and conditions of the merger are contained in the merger agreement, a copy of which is attached to this proxy statement/prospectus as </font><font style=" text-decoration:underline #000000 solid;font-style:italic;letter-spacing:0.2pt;">Annex A</font><font style="letter-spacing:0.2pt;"> and is incorporated by reference herein in its entirety. All descriptions in this summary and elsewhere in this proxy statement/prospectus of the terms and conditions of the merger are qualified in their entirety by reference to the merger agreement. Please read the merger agreement carefully for a more complete understanding of the merger. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">Under the merger agreement, CapStar will merge with and into Old National in a transaction we refer to as the &#8220;merger&#8221;, with Old National as the surviving corporation in the merger. Immediately following the merger, or at a later time as determined by Old National, 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 Old National&#8217;s wholly owned subsidiary, Old National Bank, a national banking association, in a transaction we refer to as the bank merger, with Old National Bank as the surviving bank. </font>
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            <font style="letter-spacing:0.2pt;">Pursuant to the terms and subject to the conditions set forth in the merger agreement, CapStar shareholders will receive Old National common stock for their shares of CapStar common stock (plus cash in lieu of fractional shares). At the effective time of the merger, each outstanding share of CapStar common stock (except for treasury stock or shares owned by CapStar or Old National, in each case other than shares&#160;(x)&#160;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)&#160;held, directly or indirectly, as a result of debts previously contracted) will be converted into the right to receive 1.155 shares, which we refer to as the &#8220;exchange ratio&#8221;, of Old National common stock. No fractional shares of Old National shares will be issued in the merger and holders of CapStar common stock will be entitled to receive cash in lieu of fractional shares. Although the number of shares of Old National common stock that each CapStar shareholder will receive is fixed, the market value of the merger consideration will fluctuate with the market price of Old National common stock and will not be known at the time CapStar shareholders vote on the merger agreement. Based on the exchange ratio, and on the closing stock price of Old National common stock of $[&#8226;] as of [&#8199;&#8199;&#8199;&#8199;&#8199;], 2024, the value of the per share merger consideration payable to holders of CapStar common stock was approximately $[&#8226;] as of such date. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">Old National will not issue any fractional shares of Old National common stock in the merger. CapStar shareholders who would otherwise be entitled to a fraction of a share of Old National common stock upon the completion of the merger will instead receive, for such fraction of a share, an amount in cash (rounded to the nearest cent) equal to the product of (i)&#160;the average closing sale price of Old National common stock on NASDAQ, as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;">, on the five full trading days ending on the trading day immediately preceding the closing date of the merger, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">multiplied by</font><font style="letter-spacing:0.2pt;"> (ii)&#160;the fraction of a share (rounded to the nearest one-thousandth when expressed in decimal form) of Old National common stock which such CapStar shareholder would otherwise be entitled to receive pursuant to the merger agreement. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="font-weight:bold;letter-spacing:-0.2pt;">For illustrative purposes only</font><font style="letter-spacing:0.2pt;">, the following table summarizes the approximate pre-tax merger consideration that would be received by CapStar shareholders for each share of CapStar common stock that they own, assuming [&#8226;], 2024 as the consummation date for the merger. </font>
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          <font style="letter-spacing:0.2pt;">9</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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                  <font style="letter-spacing:-0.2pt;">Shares of CapStar common stock</font>
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              <td style="padding:0pt 0pt 1pt 0pt; min-width:3.75pt; text-align:center;">&#8203;</td>
              <td style="padding:0pt 0pt 1pt 0pt; min-width:19.5pt; white-space:nowrap;text-align:center;">1,000</td>
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                  <font style="letter-spacing:0.2pt;">(A)</font>
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                  <font style="letter-spacing:0.2pt;">Exchange&#160;Ratio </font>
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              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:center;">&#8203;</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:19.5pt; white-space:nowrap;text-align:center;">1.155</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
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                  <font style="letter-spacing:0.2pt;">(B)</font>
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                  <font style="letter-spacing:0.2pt;">Shares of Old National common stock received </font>
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              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:center;">&#8203;</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:19.5pt; white-space:nowrap;text-align:center;">1,155</td>
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              <td style="padding:0pt; width:6pt;">&#8203;</td>
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                  <font style="letter-spacing:0.2pt;">(A)*(B) = (C)</font>
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                  <font style="letter-spacing:0.2pt;">Price per share of Old National common stock</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">(1)</font>
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              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:center;">$</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:19.5pt; white-space:nowrap;text-align:center;">[&#8199;&#8199;&#8199;&#8199;]</td>
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              <td style="padding:0pt; width:6pt;">&#8203;</td>
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                  <font style="letter-spacing:0.2pt;">(D)</font>
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                  <font style="letter-spacing:0.2pt;">Total value of Old National common stock received </font>
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              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:center;">$</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:19.5pt; white-space:nowrap;text-align:center;">[&#8199;&#8199;&#8199;&#8199;]</td>
              <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
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                  <font style="letter-spacing:0.2pt;">(C)*(D)</font>
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            <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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            <font style="letter-spacing:0.2pt;">(1)</font>
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            <!--blacklining:none;-->
            <font style="letter-spacing:0.2pt;">Average closing sale price of Old National common stock on the five full trading days immediately preceding the closing date of the merger on NASDAQ, as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;">. </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The trading price of Old National common stock will continue to fluctuate until the date the merger is consummated. Although the merger consideration exchange ratio is fixed, the value of the merger consideration will fluctuate between the date of this proxy statement/prospectus and the completion of the merger based upon the market value of Old National common stock. Any fluctuation in the market price of Old National common stock after the date of this proxy statement/prospectus will change the value of the shares of Old National common stock that CapStar shareholders will receive. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Based on the closing price per share of Old National common stock on NASDAQ as of October&#160;25, 2023, the last trading day before the date of public announcement of the merger, and the exchange ratio of 1.155, the value of the per share merger consideration payable to holders of CapStar common stock was approximately&#160;$15.41 per share as of such date. Based on the exchange ratio of 1.155, and on the closing stock price of Old National common stock of $[&#8226;] as of [&#8199;&#8199;&#8199;&#8199;&#8199;], 2024, the latest practicable trading day before the date of this proxy statement/prospectus, the value of the per share merger consideration payable to holders of CapStar common stock was approximately $[&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;] as of such date. We urge you to obtain current market quotations for Old National and CapStar, each currently traded on NASDAQ under the trading symbols &#8220;ONB&#8221; and &#8220;CSTR,&#8221; respectively. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">CapStar&#8217;s Reasons for the Merger; Recommendation of the CapStar Board of Directors (page 34)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The CapStar board of directors has unanimously (i)&#160;determined that the merger agreement and the transactions contemplated thereby, including the merger, are advisable and in the best interests of CapStar and the CapStar shareholders and (ii)&#160;adopted and approved the merger agreement and the transactions contemplated thereby, including the merger. The CapStar board of directors unanimously recommends that CapStar shareholders vote &#8220;FOR&#8221; the merger proposal, &#8220;FOR&#8221; the compensation proposal, and &#8220;FOR&#8221; the adjournment proposal. For the factors considered by the CapStar board of directors in reaching its decision to adopt the merger agreement, see &#8220;The Merger&#8201;&#8212;&#8201;CapStar&#8217;s Reasons for the Merger; Recommendation of CapStar&#8217;s Board of Directors.&#8221; </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Opinion of CapStar&#8217;s Financial Advisor (page 36)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">CapStar retained Morgan Stanley &amp; Co. LLC (&#8220;Morgan Stanley&#8221;) to provide it with financial advisory services in connection with a possible merger with Old National, and, if requested by CapStar, a financial opinion with respect thereto. CapStar selected Morgan Stanley to act as its financial advisor based on Morgan Stanley&#8217;s qualifications, expertise and reputation and its knowledge of the business and affairs of CapStar. Morgan Stanley rendered to the CapStar board of directors at its special meeting on October&#160;25, 2023, its oral opinion, subsequently confirmed by delivery of a written opinion dated October&#160;26, 2023, that, as of such date, and based upon and subject to the various assumptions made, procedures followed, matters considered, and qualifications and limitations on the scope of review undertaken by Morgan Stanley as set forth therein, the exchange ratio pursuant to the merger agreement was fair from a financial point of view to the holders of shares of CapStar common stock, other than shares owned by CapStar as treasury stock or owned by CapStar or Old National (in each case other than shares (x)&#160;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)&#160;held, directly or indirectly, as a result of debts previously contracted) (such treasury stock or owned shares, the &#8220;Excluded Shares&#8221;). </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The full text of the written opinion of Morgan Stanley, dated October&#160;26, 2023, is attached as </font><font style=" text-decoration:underline #000000 solid;font-style:italic;letter-spacing:0.2pt;">Annex C</font><font style="letter-spacing:0.2pt;"> and incorporated by reference into this proxy statement/prospectus. The opinion sets forth, among other </font>
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            <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">10</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
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            <font style="letter-spacing:0.2pt;">things, the assumptions made, procedures followed, matters considered and qualifications and limitations on the scope of the review&#160;undertaken by Morgan Stanley in rendering its opinion. Shareholders are urged to, and should, read the opinion carefully and in its entirety. Morgan Stanley&#8217;s opinion is directed to the CapStar board of directors and addresses only the fairness from a financial point of view to holders of shares of CapStar common stock (other than the Excluded Shares) of the exchange ratio pursuant to the merger agreement as of the date of the opinion. Morgan Stanley&#8217;s opinion does not address any other aspect of the transactions contemplated by the merger agreement and does not constitute a recommendation to shareholders of CapStar as to how to vote at any shareholders meeting held with respect to the merger or any other matter, or whether to take any other action with respect to the merger. The summary of Morgan Stanley&#8217;s opinion set forth in this proxy statement/prospectus is qualified in its entirety by reference to the full text of the opinion. In addition, the opinion does not in any manner address the price at which Old National common stock will trade following the consummation of the merger or at any time. </font>
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            <font style="letter-spacing:0.2pt;">For a description of the opinion of Morgan Stanley, see &#8220;The Merger&#8201;&#8212;&#8201;Opinion of CapStar&#8217;s Financial Advisor&#8221;. </font>
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            <font style="letter-spacing:-0.2pt;">CapStar Will Hold Its Special Meeting on [&#8199;&#8199;&#8199;&#8199;&#8199;], 2024 (page 23)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The special meeting will be held on [&#8199;&#8199;&#8199;&#8199;&#8199;], 2024 at [&#8199;&#8199;&#8199;&#8199;&#8199;], Eastern Time, at&#160;[&#8199;&#8199;&#8199;&#8199;&#8199;]. At the special meeting, CapStar shareholders will be asked to consider and vote upon the following matters: </font>
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            <font style="letter-spacing:0.2pt;">a proposal to adopt and approve the merger agreement, which we refer to as the &#8220;merger proposal&#8221;; </font>
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            <font style="letter-spacing:0.2pt;">a proposal to approve, on a non-binding, advisory basis, the merger-related named executive officer compensation that will or may be paid to CapStar&#8217;s named executive officers in connection with the merger, which we refer to as the &#8220;compensation proposal&#8221;; and </font>
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            <font style="letter-spacing:0.2pt;">a proposal to approve one or more adjournments of the CapStar special meeting, if necessary or appropriate, including adjournments to permit further solicitation of proxies in favor of the merger proposal, which we refer to as the &#8220;adjournment proposal&#8221;. </font>
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            <font style="letter-spacing:0.2pt;">CapStar&#8217;s board of directors has fixed the close of business on [&#8199;&#8199;&#8199;&#8199;&#8199;], 2024 as the record date for determining the holders of CapStar common stock entitled to receive notice of and to vote at the special meeting. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">As of the record date, there were [&#8199;&#8199;&#8199;&#8199;&#8199;] shares of CapStar common stock outstanding and entitled to vote at the CapStar special meeting, held by approximately [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;] holders of record. Each share of CapStar common stock entitles the holder to one vote at the CapStar special meeting on each proposal to be considered at the special meeting. An executive officer and the directors of CapStar, who are also shareholders of CapStar, have entered into shareholder voting agreements pursuant to which they have agreed to vote in favor of the merger proposal, subject to the terms of the shareholder voting agreements. As of the record date, the executive officer and the directors collectively and beneficially owned approximately [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;]% of the outstanding shares of CapStar common stock. For information regarding the shareholder voting agreement and certain holders of shares of CapStar common stock, see &#8220;Shareholder Voting Agreements.&#8221; </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Approval of the merger proposal requires the affirmative vote of a majority of all issued and outstanding shares of CapStar entitled to vote thereon. If you mark &#8220;ABSTAIN&#8221; on your proxy, or fail to instruct your bank, broker or other nominee with respect to the merger proposal, it will have the same effect as a vote &#8220;AGAINST&#8221; the proposal. </font>
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            <font style="letter-spacing:0.2pt;">Approval of the compensation proposal and the adjournment proposal each require that the votes cast favoring the proposal exceed the votes cast opposing the proposal. If you mark &#8220;ABSTAIN&#8221; on your proxy, or fail to instruct your bank, broker or other nominee with respect to the proposal, it will have no effect on the outcome of the proposal. </font>
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          <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">For further information, see &#8220;Information About The CapStar Special Meeting.&#8221; </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Shareholder Voting Agreements (page&#160;67)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">An executive officer and the directors of CapStar, who are also shareholders of CapStar, have entered into shareholder voting agreements pursuant to which they have agreed to vote in favor of the merger </font>
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          <font style="letter-spacing:0.2pt;">11</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tIOCD1">&#8203;</a>
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            <font style="letter-spacing:0.2pt;">proposal, subject to the terms of the shareholder voting agreements. As of the record date, the executive officer and the directors&#160;collectively and beneficially owned approximately [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;]% of the outstanding shares of CapStar common stock. For information regarding the shareholder voting agreement and certain holders of shares of CapStar common stock, see &#8220;Shareholder Voting Agreements.&#8221; </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Material U.S. Federal Income Tax Consequences of the Merger (page&#160;69)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">It is intended 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 (the &#8220;Code&#8221;), and the merger agreement is intended to be and is adopted as a plan of reorganization for purposes of Sections&#160;354 and 361 of the Code. It is a condition to the completion of the merger that each party receives a written opinion from its counsel to the effect that the merger shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. If the merger so qualifies, a U.S. holder (as defined under &#8220;Material U.S. Federal Income Tax Consequences of the Merger&#8221;) of CapStar common stock generally will not recognize any gain or loss upon the exchange of CapStar common stock for Old National common stock, except with respect to cash received in lieu of fractional shares of Old National common stock. For further information, see &#8220;Material U.S. Federal Income Tax Consequences of the Merger.&#8221; </font>
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            <font style="letter-spacing:0.2pt;">All CapStar shareholders should consult their own tax advisors for a full understanding of the particular tax consequences of the merger to them.</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Interests of CapStar&#8217;s Directors and Executive Officers in the Merger (page 46)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">In considering the recommendation of the CapStar board of directors with respect to the merger, CapStar shareholders should be aware that CapStar&#8217;s directors and executive officers have interests in the merger that may be different from, or in addition to, the interests of the other CapStar shareholders. The CapStar board of directors was aware of and considered these interests during its deliberations of the merits of the merger and in determining to recommend to CapStar shareholders that they vote for the merger proposal and thereby approve the transactions contemplated by the merger agreement, including the merger. Those interests include: </font>
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            <font style="letter-spacing:0.2pt;">the treatment of equity awards at the effective time of the merger; </font>
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            <font style="letter-spacing:0.2pt;">under change in control continuity agreements, severance benefits in the event of a qualifying termination of employment following the merger; and </font>
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            <font style="letter-spacing:0.2pt;">Old National has agreed to provide certain ongoing indemnification and insurance coverage to the directors and executive officers of CapStar following the merger for acts or omissions occurring prior to the merger. </font>
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            <font style="letter-spacing:0.2pt;">For a more complete description of these interests, see the section entitled &#8220;The Merger&#8201;&#8212;&#8201;Interests of CapStar&#8217;s Directors and Executive Officers in the Merger.&#8221; </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Regulatory Approvals Required for the Merger (page 50)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Subject to the terms of the merger agreement, both Old National and CapStar have agreed to use their reasonable best efforts and cooperate to promptly prepare and file, or cause to be prepared and filed, all necessary applications, notices and other documentation to obtain as soon as practicable all regulatory approvals necessary or advisable to complete the transactions contemplated by the merger agreement. These include approvals from, among others, the Board of Governors of the Federal Reserve System (the &#8220;Federal Reserve Board&#8221;) for the merger and the Office of the Comptroller of the Currency (the &#8220;OCC&#8221;) for the bank merger. The initial filing of regulatory applications to the Federal Reserve Board and the OCC occurred on December 22, 2023. Notice of the applications has been provided to the Tennessee Department of Financial Institutions and the North Carolina Office of the Commissioner of Banks. </font>
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            <font style="letter-spacing:0.2pt;">Although neither Old National nor CapStar knows of any reason why it cannot obtain these regulatory approvals in a timely manner, Old National and CapStar cannot be certain when or if they will be obtained, or that the granting of these regulatory approvals will not involve the imposition of conditions on the completion of the merger or the bank merger. For more information, see &#8220;The Merger&#8201;&#8212;&#8201;Regulatory Approvals Required for the Merger.&#8221; </font>
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          <font style="letter-spacing:0.2pt;">12</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:-0.2pt;">Conditions to Complete the Merger (page&#160;63)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">Each party&#8217;s obligation to complete the merger is subject to the satisfaction or waiver (to the extent permitted under applicable&#160;law) of certain conditions, including: (1)&#160;the adoption and approval of the merger agreement by the requisite vote of the CapStar shareholders; (2)&#160;the receipt of all required regulatory approvals and expiration or termination of all statutory waiting periods in respect thereof, each as described above, and no such regulatory approval shall have resulted in the imposition of a &#8220;materially burdensome regulatory condition&#8221;, as defined in the merger agreement; (3)&#160;authorization for listing on NASDAQ of the shares of Old National common stock to be issued in the merger; (4)&#160;effectiveness of the registration statement on Form S-4 with respect to the shares of the Old National common stock to be issued in the merger; (5)&#160;the absence of any order, injunction, decree or other legal restraint preventing the completion of the merger or the transactions contemplated by the merger agreement or making the completion of the merger or the transactions contemplated by the merger agreement illegal; (6)&#160;the accuracy of the representations and warranties of the other party, subject to specified materiality standards; (7)&#160;performance in all material respects by the other party of its obligations under the merger agreement; (8)&#160;receipt by each party of an opinion of legal counsel 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 &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code; (9)&#160;with respect to Old National, 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; and (10) the absence of a material adverse effect on the other party. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">Neither Old National nor CapStar can be certain when, or if, the conditions to the merger will be satisfied or waived, or that the merger will be completed. For more information, see &#8220;The Merger Agreement&#8201;&#8212;&#8201;Conditions to Complete the Merger.&#8221; </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Termination of the Merger Agreement (page 64)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The merger agreement may be terminated prior to the effective time under the following circumstances: </font>
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            <font style="letter-spacing:0.2pt;">by mutual written consent of Old National and CapStar; </font>
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            <font style="letter-spacing:0.2pt;">by either Old National or CapStar if any governmental entity that must grant a requisite regulatory approval has denied approval of the merger or the bank merger and such denial has become final and nonappealable or any governmental entity of competent jurisdiction has issued a final and nonappealable order, injunction, decree or other legal restraint or prohibition permanently enjoining or otherwise prohibiting or making illegal the merger or the bank merger, unless the failure to obtain a requisite regulatory approval is due to the failure of the party seeking to terminate the merger agreement to perform or observe its obligations, covenants and agreements under the merger agreement; </font>
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            <font style="letter-spacing:0.2pt;">by either Old National or CapStar if the merger has not been completed on or before the twelve (12)&#160;month anniversary of the date of the merger agreement, which we refer to as the &#8220;termination date&#8221;, unless the failure of the merger to be completed by such date is due to the failure of the party seeking to terminate the merger agreement to perform or observe its obligations, covenants and agreements under the merger agreement; </font>
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            <font style="letter-spacing:0.2pt;">by either Old National or CapStar if requisite approval of CapStar&#8217;s shareholders is not obtained at the special meeting of shareholders convened therefor, or any adjournment or postponement thereof; </font>
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            <font style="letter-spacing:0.2pt;">by either Old National or CapStar (provided that the terminating party is not then in material breach of any representation, warranty, obligation, covenant or other agreement contained in the merger agreement) if there is a breach of any of the obligations, covenants or agreements or any of the representations or warranties (or any such representation or warranty ceases to be true) set forth in the merger agreement on the part of CapStar, in the case of a termination by Old National, or Old National, in the case of a termination by CapStar, which either individually or in the aggregate would constitute, if occurring or continuing on the date the merger is completed, the failure of a closing condition of the terminating party and which is not cured within forty-five (45) days following written notice to the party committing such breach, 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>
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          <font style="letter-spacing:0.2pt;">13</font>
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            <font style="letter-spacing:0.2pt;">by Old National prior to such time as the requisite CapStar vote is obtained, if (i)&#160;the CapStar board of directors shall have (A)&#160;failed to recommend in the this proxy statement/prospectus that the shareholders of CapStar approve the merger agreement, or withdrawn, modified or qualified such recommendation in a manner adverse to Old National, or publicly disclosed that it intends to do so, or failed to recommend against acceptance of a tender offer or exchange offer constituting an alternative acquisition proposal that has been publicly disclosed within ten (10) business days after the commencement of such tender or exchange offer or (B)&#160;recommended or endorsed an alternative acquisition proposal or publicly disclosed its intention to do so, or failed to issue a press release announcing its unqualified opposition to such alternative acquisition proposal within ten (10) business days after an alternative acquisition proposal is publicly announced, or (ii)&#160;CapStar or the CapStar board of directors has willfully and materially breached its obligations relating to shareholder approval or the non-solicitation of acquisition proposals. </font>
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            <font style="letter-spacing:0.2pt;">For more information, see &#8220;The Merger Agreement&#8201;&#8212;&#8201;Termination of the Merger Agreement.&#8221; </font>
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            <font style="letter-spacing:-0.2pt;">Termination Fee (page&#160;65)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">If the merger agreement is terminated under certain circumstances, including circumstances involving alternative acquisition proposals and changes in the recommendation of the CapStar board of directors, CapStar will be required to pay to Old National a termination fee equal to $11,250,000. </font>
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            <font style="letter-spacing:0.2pt;">For more information, see &#8220;The Merger&#160;Agreement&#8201;&#8212;&#8201;Termination Fee.&#8221; </font>
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            <font style="letter-spacing:-0.2pt;">The Rights of CapStar Shareholders Will Change as a Result of the Merger (page 75)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The rights of CapStar shareholders will change as a result of the merger due to differences in Old National&#8217;s and CapStar&#8217;s governing documents. The rights of CapStar shareholders are governed by Tennessee law and by the CapStar&#8217;s charter and amended and restated bylaws. Upon the completion of the merger, CapStar shareholders immediately prior to the effective time will become Old National shareholders, as the continuing legal entity after the merger, and their rights as Old National shareholders will therefore be governed by Indiana law and the Old National amended and restated articles of incorporation and amended and restated bylaws. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">See &#8220;Comparison of Shareholders&#8217; Rights&#8221; for a description of the material differences in shareholders&#8217; rights under each of the Old National and CapStar governing documents. </font>
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            <font style="letter-spacing:-0.2pt;">Accounting Treatment (page 68)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The merger will be accounted for as an acquisition of CapStar by Old National under the acquisition method of accounting in accordance with generally accepted accounting principles in the United States (&#8220;GAAP&#8217;&#8217;) for financial reporting and accounting purposes. </font>
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            <font style="letter-spacing:-0.2pt;">Public Trading Markets (page 51)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">Old National common stock is listed for trading on NASDAQ under the symbol &#8220;ONB&#8221;. Following the merger, shares of Old National common stock will continue to be traded on NASDAQ. </font>
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            <font style="letter-spacing:0.2pt;">CapStar common stock is listed for trading on NASDAQ under the symbol &#8220;CSTR&#8221;. Following the merger, CapStar common stock will be delisted from the NASDAQ and deregistered under the Exchange Act. </font>
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            <font style="letter-spacing:-0.2pt;">Information About the Companies (page 29)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">Old National</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">Old National Bancorp is the financial holding company of Old National Bank, which is the sixth largest commercial bank headquartered in the Midwest. With approximately $49&#160;billion of assets and $28&#160;billion of assets under management, Old National ranks among the top 30 banking companies headquartered in the U.S. Tracing its roots to 1834, Old National Bank has focused on community banking </font>
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          <font style="letter-spacing:0.2pt;">14</font>
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            <font style="letter-spacing:0.2pt;">by building long-term, highly valued partnerships with clients and in the communities it serves. In addition to providing extensive services in retail and commercial banking, Old National offers comprehensive wealth management, investment, and capital market services. Old National&#8217;s corporate headquarters and principal executive offices are located in Evansville, Indiana with commercial and consumer banking operations headquartered in Chicago, Illinois. </font>
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            <font style="letter-spacing:0.2pt;">Old National Bank operates approximately 250 banking centers located primarily throughout the Midwestern United States, including Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, and Wisconsin. It earns interest income on loans as well as fee income from the origination of loans, wealth management and investment services, treasury management and other fee-based services. Lending activities include loans to individuals, which primarily consist of home equity lines of credit, residential real estate loans, and consumer loans, and loans to&#160;commercial clients, which include commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. Residential real estate loans are either kept in its loan portfolio or sold to secondary investors, with gains or losses from the sales being recognized. In addition to providing lending and deposit services, Old National offers comprehensive wealth management, investment, and foreign currency services. For businesses, it provides treasury management, merchant, and capital markets services as well as community development lending and equity investment solutions intended to produce jobs and revitalize communities in which it operates. </font>
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            <font style="letter-spacing:0.2pt;">Old National&#8217;s common stock is traded on NASDAQ under the symbol &#8220;ONB.&#8221; The principal executive offices of Old National are located at One Main Street, Evansville, Indiana 47708, and its telephone number is (800) 731-2265. </font>
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            <font style="letter-spacing:0.2pt;">CapStar</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">CapStar is a bank holding company that is headquartered in Nashville, Tennessee. CapStar operates primarily through its wholly owned subsidiary, CapStar Bank. CapStar provides traditional banking and other financial services through its 22 banking centers and 365 full time employees (as of November&#160;30, 2023). As of September&#160;30, 2023, CapStar had total assets of approximately $3.26&#160;billion, total deposits of approximately $2.8&#160;billion, and total net loans of approximately $2.3&#160;billion. </font>
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            <font style="letter-spacing:0.2pt;">CapStar&#8217;s common stock is traded on NASDAQ under the symbol &#8220;CSTR.&#8221; The principal executive offices of CapStar are located at 1201 Demonbreun Street, Suite 700, Nashville, TN 37203, and its telephone number is (615) 732-6400. </font>
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            <font style="letter-spacing:-0.2pt;">Risk Factors (page 18)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">You should carefully read and consider all the information contained in or incorporated by reference into this proxy statement/prospectus in deciding how to vote for the proposals presented in the proxy statement/prospectus. In particular, you should consider the factors described under &#8220;Risk Factors&#8221; beginning on page&#160;18 and in CapStar&#8217;s and Old National&#8217;s respective Annual Reports on Form 10-K for the year ended December&#160;31, 2022 and in other documents incorporated by reference into this joint proxy statement/prospectus. See &#8220;Where You Can Find More Information.&#8221;</font>
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          <font style="letter-spacing:0.2pt;">15</font>
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          <font style="letter-spacing:-0.2pt;">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Certain statements contained in this proxy statement/prospectus that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the &#8220;Act&#8221;), notwithstanding that such statements are not specifically identified as such. In addition, certain statements may be contained in Old National&#8217;s or CapStar&#8217;s future filings with the SEC, in press releases, and in oral and written statements made by Old National or CapStar or with their respective approval that are not statements of historical fact and constitute forward&#8209;looking statements within the meaning of the Act. These statements include, but are not limited to, descriptions of the merger, Old National&#8217;s and CapStar&#8217;s respective financial condition, results of operations, asset and credit quality trends, profitability and business plans or opportunities. Forward-looking statements can be identified by the use of the words &#8220;anticipate,&#8221; &#8220;believe,&#8221; &#8220;contemplate,&#8221; &#8220;could,&#8221; &#8220;estimate,&#8221; &#8220;expect,&#8221; &#8220;intend,&#8221; &#8220;may,&#8221; &#8220;outlook,&#8221; &#8220;plan,&#8221; &#8220;should,&#8221; and &#8220;will,&#8221; and other words of similar meaning. These forward-looking statements express management&#8217;s current expectations or forecasts of future events and, by their nature, are subject to risks and uncertainties. There are a number of factors that could cause actual results or outcomes to differ materially from those in such statements. Factors that might cause such a difference include, but are not limited to: the risk that the cost savings and any revenue synergies from the merger may not be fully realized or may take longer than anticipated to be realized; disruption to the parties&#8217; businesses as a result of the announcement and pendency of the merger; the occurrence of any event, change or other circumstances that could give rise to the termination of the merger agreement; the risk that the integration of each party&#8217;s operations will be materially delayed or will be more costly or difficult than expected or that the parties are otherwise unable to successfully integrate each party&#8217;s businesses into the other&#8217;s businesses; the failure to obtain the necessary approvals by the shareholders of CapStar; the amount of the costs, fees, expenses and charges related to the merger; the ability of Old National to obtain required governmental approvals of the merger (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the transaction); reputational risk and the reaction of each company&#8217;s customers, suppliers, employees or other business partners to the merger; the failure of the closing conditions in the merger agreement to be satisfied, or any unexpected delay in closing the merger; the possibility that the merger may be more expensive to complete than anticipated, including as a result of unexpected factors or events; the dilution caused by Old National&#8217;s issuance of additional shares of its common stock in the merger; a material adverse change in the financial condition of CapStar or Old National; competition; government legislation, regulations and policies; the ability of Old National or CapStar to execute its business plan; unanticipated changes in Old National&#8217;s or CapStar&#8217;s liquidity position, including but not limited to changes in Old National&#8217;s or CapStar&#8217;s access to sources of liquidity and capital to address its liquidity needs; changes in economic conditions and economic and business uncertainty which could materially impact credit quality trends and the ability to generate loans and gather deposits; inflation and governmental responses to inflation, including increasing interest rates; market, economic, operational, liquidity, credit, and interest rate risks associated with Old National&#8217;s or CapStar&#8217;s business; Old National&#8217;s or CapStar&#8217;s ability to successfully manage its credit risk and the sufficiency of its allowance for credit losses; uncertainty about the discontinued use of LIBOR and the transition to an alternative rate; the potential impact of current and future business combinations on Old National&#8217;s or CapStar&#8217;s performance and financial condition, including such company&#8217;s ability to successfully integrate businesses and the success of revenue-generating and cost-reduction initiatives; failure or circumvention of Old National&#8217;s or CapStar&#8217;s internal controls; operational risks or risk management failures Old National or CapStar or critical third parties, including without limitation with respect to data processing, information systems, cybersecurity, technological changes, vendor issues, business interruption, and fraud risks; significant changes in accounting, tax or regulatory practices or requirements; new legal obligations or liabilities or unfavorable resolutions of litigation; disruptive technologies in payment systems and other services traditionally provided by banks; failure or disruption of our information systems; computer hacking and other cybersecurity threats; the effects of climate change on Old National or CapStar and their respective customers, borrowers, or service providers; political and economic uncertainty and instability; the impacts of pandemics, epidemics and other infectious disease outbreaks; other matters discussed in this prospectus; and other factors identified in filings with the SEC by Old National or CapStar. These forward-looking statements are made only as of the date of this prospectus and are not guarantees of future results, performance or outcomes. </font>
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          <font style="letter-spacing:0.2pt;">Such forward-looking statements are based on assumptions and estimates, which although believed to be reasonable, may turn out to be incorrect. Therefore, undue reliance should not be placed upon these </font>
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          <font style="letter-spacing:0.2pt;">16</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">estimates and statements. Neither Old National nor CapStar can assure that any of these statements, estimates, or beliefs will be realized and actual results or outcomes may differ from those contemplated in these forward-looking statements. Neither Old National nor CapStar undertake any obligation to publicly update any forward-looking statements, whether as a result of new information, future events, or otherwise after the date of this proxy statement/prospectus. You are advised to consult further disclosures Old National and CapStar may make on related subjects in their respective filings with the SEC. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Investors should consider these risks, uncertainties, and other factors in addition to risk factors included in Old National&#8217;s and CapStar&#8217;s respective Annual Reports on Form&#160;10-K for the year ended December&#160;31, 2022, and other filings with the SEC.</font>
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          <font style="letter-spacing:0.2pt;">17</font>
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          <font style="letter-spacing:-0.2pt;">RISK FACTORS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In addition to general investment risks and the other information contained in or incorporated by reference into this proxy statement/prospectus, including the matters addressed under the section &#8220;Cautionary Statement Regarding Forward-Looking Statements,&#8221; you should carefully consider the following risk factors relating to the consummation of the merger and to Old National following the merger in deciding how to vote for the proposals presented in this proxy statement/prospectus.</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Because the market price of Old National common stock will fluctuate, CapStar shareholders cannot be certain of the market value of the merger consideration they will receive.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In the merger, each share of CapStar common stock issued and outstanding immediately prior to the effective time (except for treasury stock or shares owned by CapStar or Old National, in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) will receive the right to receive 1.155 shares of Old National common stock. No fractional shares of Old National shares will be issued in the merger and holders of CapStar common stock will be entitled to receive cash in lieu of fractional shares. This exchange ratio is fixed and will not be adjusted for changes in the market price of Old National common stock or CapStar common stock. Changes in the price of Old National common stock or CapStar common stock between now and the time of the merger will affect the value that CapStar shareholders will receive in the merger. Neither Old National nor CapStar is permitted to terminate the merger agreement as a result of any increase or decrease in the market price of Old National common stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Stock price changes may result from a variety of factors, including general market and economic conditions, changes in Old National&#8217;s or CapStar&#8217;s respective businesses, operations and prospects, the recent volatility in the prices of securities in global financial markets, including market prices of Old National, CapStar and other banking companies, regulatory considerations and tax laws, many of which are beyond Old National&#8217;s and CapStar&#8217;s control. Therefore, at the time of the CapStar special meeting, CapStar shareholders will not know the market value of the consideration that CapStar shareholders will receive at the effective time. You should obtain current market quotations for shares of Old National (NASDAQ: ONB) and CapStar (NASDAQ: CSTR). </font>
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          <font style="letter-spacing:-0.2pt;">The market price of Old National common stock after the merger may be affected by factors different from those currently affecting the shares of Old National common stock.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In the merger, CapStar shareholders will become Old National shareholders. Old National&#8217;s business differs from that of CapStar and certain adjustments may be made to Old National&#8217;s business as a result of the merger. Accordingly, the results of operations of the combined company and the market price of Old National common stock after the completion of the merger may be affected by factors different from those currently affecting the results of operations of Old National. For a discussion of the business of Old National and of certain factors to consider in connection with that business, see the documents incorporated by reference in this proxy statement/prospectus and referred to under &#8220;Where You Can Find More Information&#8221; beginning on page&#160;84. </font>
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          <font style="letter-spacing:-0.2pt;">Combining Old National and CapStar may be more difficult, costly or time-consuming than expected, and the anticipated benefits and cost savings of the merger may not be realized.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Old National and CapStar have operated and, until the completion of the merger will continue to operate, independently. The success of the merger, including anticipated benefits and cost savings, will depend, in part, on Old National&#8217;s and CapStar&#8217;s ability to successfully combine and integrate the businesses of Old National and CapStar in a manner that permits growth opportunities and does not materially disrupt existing customer relations or result in decreased revenues due to loss of customers. It is possible that the integration process could result in the loss of key employees, the disruption of either company&#8217;s ongoing businesses or inconsistencies in standards, controls, procedures and policies that adversely affect the combined company&#8217;s ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of the merger. The loss of key employees could adversely affect Old National&#8217;s ability to successfully conduct its business, which could have an adverse effect on Old National&#8217;s financial results and the value of Old National&#8217;s common stock after the merger. If Old National and CapStar experience difficulties with the integration process, the anticipated benefits of the merger </font>
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          <font style="letter-spacing:0.2pt;">18</font>
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          <font style="letter-spacing:0.2pt;">may not be realized fully or at all, or may take longer to realize than expected. As with any merger of financial institutions, there also may be business disruptions that cause Old National and/or CapStar to lose customers or cause customers to remove their accounts from Old National and/or CapStar and move their business to competing financial institutions. Integration efforts between the two companies will also divert management attention and resources. These integration matters could have an adverse effect on each of Old National and CapStar during this transition period and for an undetermined period after completion of the merger on the combined company. In addition, the actual cost savings of the merger could be less than anticipated. </font>
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          <font style="letter-spacing:-0.2pt;">Regulatory approvals may not be received, may take longer than expected, or may impose conditions that are not presently anticipated or that could have an adverse effect on the combined company following the merger.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Before the merger may be completed, Old National and CapStar must obtain all necessary approvals or waivers from the OCC and the Federal Reserve Board. Other approvals, waivers or consents from regulators could also be required. In determining whether to grant these approvals, the regulators consider a variety of factors, including the regulatory standing of each party and the factors described under &#8220;The Merger&#8201;&#8212;&#8201;Regulatory Approvals Required for the Merger.&#8221; An adverse development in either party&#8217;s regulatory standing or these factors could result in an inability to obtain approval or delay their receipt. These regulators may impose conditions on the completion of the merger or require changes to the terms of the merger. Such conditions or changes could have the effect of delaying or preventing completion of the merger or imposing additional costs on or limiting the revenues of the combined company following the merger, any of which might have an adverse effect on the combined company following the merger. </font>
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          <font style="letter-spacing:0.2pt;">Additionally, under the terms of the merger agreement, Old National and CapStar are not required to take actions or agree to conditions in connection with obtaining consents, approvals and authorizations of governmental entities that would reasonably be expected to have a material adverse effect on Old National and its subsidiaries, taken as a whole, after giving effect to the merger (measured on a scale relative to CapStar and its subsidiaries, taken as a whole) (a &#8220;materially burdensome regulatory condition&#8221;). See &#8220;The Merger&#8201;&#8212;&#8201;Regulatory Approvals Required for the Merger.&#8221; </font>
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          <font style="letter-spacing:-0.2pt;">The combined company may be unable to retain CapStar or Old National personnel successfully after the merger is completed.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The success of the merger will depend in part on the combined company&#8217;s ability to retain the talents and dedication of key employees currently employed by CapStar and Old National. It is possible that these employees may decide not to remain with CapStar or Old National while the merger is pending or with the combined company after the merger is consummated. If key employees terminate their employment, or if an insufficient number of employees are retained to maintain effective operations, the combined company&#8217;s business activities may be adversely affected and management&#8217;s attention may be diverted from successfully integrating CapStar to hiring suitable replacements, all of which may cause the combined company&#8217;s business to suffer. In addition, Old National may not be able to locate suitable replacements for any key employees who leave the combined company or to offer employment to potential replacements on reasonable terms. </font>
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          <font style="letter-spacing:-0.2pt;">Certain of CapStar&#8217;s directors and executive officers have interests in the merger that may differ from the interests of CapStar shareholders.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">CapStar shareholders should be aware that some of CapStar&#8217;s directors and executive officers have interests in the merger that may be different from, or in addition to, the interests of the other CapStar shareholders generally. These interests and arrangements may create potential conflicts of interest. The CapStar board of directors was aware of these interests and considered these interests, among other matters, when making its decision to approve the merger agreement and in recommending that CapStar shareholders vote in favor of adopting and approving the merger agreement. </font>
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          <font style="letter-spacing:0.2pt;">For a more complete description of these interests, see &#8220;The Merger&#8201;&#8212;&#8201;Interests of CapStar&#8217;s Directors and Executive Officers in the Merger.&#8221; </font>
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          <font style="letter-spacing:0.2pt;">19</font>
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          <font style="letter-spacing:-0.2pt;">Termination of the merger agreement could negatively impact Old National or CapStar.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If the merger agreement is terminated, there may be various adverse consequences and CapStar and/or Old National may experience negative reactions from the financial markets and from their respective customers and employees. For example, Old National&#8217;s or CapStar&#8217;s businesses may have been impacted adversely by the failure to pursue other beneficial opportunities due to the focus of management on the merger, without realizing any of the anticipated benefits of completing the merger. Additionally, if the merger agreement is terminated, the market price of Old National common stock or CapStar common stock could decline to the extent that the current market prices reflect a market assumption that the merger will be completed. If the merger agreement is terminated under certain circumstances, CapStar may be required to pay Old National a termination fee of $11,250,000. </font>
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          <font style="letter-spacing:-0.2pt;">Old National and CapStar will be subject to business uncertainties and contractual restrictions while the merger is pending, which could disrupt Old National&#8217;s and CapStar&#8217;s relationships with their customers, suppliers, business partners and others, as well as their operating results and business generally.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Whether or not the merger is ultimately consummated, uncertainty about the effect of the merger on employees and customers may have an adverse effect on Old National and CapStar and, consequently, the combined company. These uncertainties may impair Old National&#8217;s and CapStar&#8217;s ability to attract, retain, and motivate key personnel until the merger is completed, and could cause customers and others that deal with Old National or CapStar to seek to change existing business relationships with Old National or CapStar, respectively. Retention of certain employees by CapStar and Old National may be challenging while the merger is pending, as certain employees may experience uncertainty about their future roles with the combined company. If key employees depart because of issues relating to the uncertainty and difficulty of integration, or a desire not to remain with CapStar or Old National and, ultimately, the combined company, the combined company&#8217;s business could be harmed. In addition, subject to certain exceptions, CapStar and Old National has each agreed to operate its business in the ordinary course and use commercially reasonable efforts to preserve its business organization, employees and business relationships prior to closing. See &#8220;The Merger Agreement&#8201;&#8212;&#8201;Covenants and Agreements&#8221; for a description of the restrictive covenants applicable to CapStar and Old National. </font>
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          <font style="letter-spacing:-0.2pt;">The shares of Old National common stock to be received by CapStar shareholders as a result of the merger will have different rights from the shares of CapStar common stock.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In the merger, CapStar shareholders will become Old National shareholders and their rights as Old National shareholders will be governed by Indiana law and the governing documents of Old National following the merger. The rights associated with Old National common stock are different from the rights associated with CapStar common stock. See &#8220;Comparison of Shareholders&#8217; Rights&#8221; beginning on page 75 for a discussion of the different rights associated with Old National common stock. </font>
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          <font style="letter-spacing:-0.2pt;">CapStar and Old National are expected to incur significant costs related to the merger and integration. If the merger is not completed, Old National and CapStar will have incurred substantial expenses without realizing the expected benefits of the merger.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Each of Old National and CapStar has incurred and will incur substantial expenses in connection with the negotiation and completion of the transactions contemplated by the merger agreement. These costs include legal, financial advisory, accounting, consulting and other advisory fees, severance/employee benefit-related costs, filing fees and other regulatory fees, printing costs and other related costs. Some of these costs are payable by either CapStar or Old National regardless of whether or not the merger is completed. If the merger is not completed, Old National and CapStar would have to recognize these expenses without realizing the expected benefits of the merger. </font>
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          <font style="letter-spacing:-0.2pt;">The merger agreement limits CapStar&#8217;s ability to pursue alternative acquisition proposals, requires CapStar to pay a termination fee of $11,250,000 under limited circumstances, including circumstances relating to acquisition proposals, and may discourage other companies from trying to acquire CapStar.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The merger agreement prohibits CapStar from initiating, soliciting, knowingly encouraging or knowingly facilitating certain alternative third-party acquisition proposals. See &#8220;The Merger </font>
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          <font style="letter-spacing:0.2pt;">Agreement&#8201;&#8212;&#8201;Agreement Not to Solicit Other Offers</font><font style="font-style:italic;letter-spacing:0.2pt;">.</font><font style="letter-spacing:0.2pt;">&#8221; The merger agreement also provides that CapStar will be required to pay a termination fee to Old National in the amount of $11,250,000 in the event that the merger agreement is terminated under certain circumstances, including an adverse recommendation change by the CapStar board of directors. See &#8220;The Merger Agreement&#8201;&#8212;&#8201;Termination Fee.&#8221; These provisions might discourage a potential competing acquiror that might have an interest in acquiring all or a significant part of CapStar from considering or proposing such an acquisition. </font>
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          <font style="letter-spacing:-0.2pt;">The future results of the combined company following the merger may suffer if the combined company does not effectively manage its expanded operations.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Following the merger, the size of the business of the combined company will increase beyond the current size of either Old National&#8217;s or CapStar&#8217;s businesses. The combined company&#8217;s future success will depend, in part, upon its ability to manage this expanded business, which may pose challenges for management, including challenges related to the management and monitoring of new operations and associated increased costs and complexity. The combined company may also face increased scrutiny from governmental authorities as a result of the increased size of its business and the merger. There can be no assurances that the combined company will be successful or that it will realize the expected operating efficiencies, revenue enhancement or other benefits currently anticipated from the merger. </font>
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          <font style="letter-spacing:-0.2pt;">CapStar shareholders will have a reduced ownership and voting interest in the combined company after the merger and will exercise less influence over management, as compared to their ownership and voting interests in CapStar.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">CapStar shareholders currently have the right to vote in the election of the board of directors and on other matters affecting CapStar. Upon completion of the merger, each CapStar shareholder who receives shares of Old National common stock will become an Old National shareholder, with a&#160;percentage ownership of Old National that is smaller than such shareholder&#8217;s current&#160;percentage ownership of CapStar. Based on the number of shares of CapStar common stock outstanding on October&#160;26, 2023, the date of the merger agreement, and the shares of Old National common stock expected to be issued in the merger, the CapStar shareholders as a group will receive shares in the merger constituting approximately 7.6% of the outstanding shares of Old National common stock immediately after the merger. As a result, current Old National shareholders as a group will own approximately 92.4% of the outstanding shares of Old National common stock immediately after the merger. Because of this, CapStar shareholders may have less influence on the management and policies of the combined company than they now have on the management and policies of CapStar. </font>
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          <font style="letter-spacing:-0.2pt;">Issuance of shares of Old National common stock in connection with the merger may adversely affect the market price of Old National common stock.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In connection with the payment of the merger consideration, Old National expects to issue approximately 23.9&#160;million shares of Old National common stock to CapStar shareholders. The issuance of these new shares of Old National common stock may depress or result in fluctuations in the market price of Old National common stock, including a stock price decrease. </font>
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          <font style="letter-spacing:-0.2pt;">The fairness opinion received by the CapStar board of directors from Morgan Stanley has not been, and is not expected to be, updated to reflect any changes in circumstances that may have occurred since the date of such opinion.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The fairness opinion of Morgan Stanley was rendered to the CapStar board of directors on October&#160;26, 2023. Changes in the operations and prospects of CapStar, general market and economic conditions and other factors which may be beyond the control of CapStar may have altered the value of CapStar or the sale prices of shares of CapStar common stock as of the date of this proxy statement/prospectus, or may alter such value and sale prices by the time the merger is completed. The opinion from Morgan Stanley, dated October&#160;26, 2023 and attached to this proxy statement/prospectus as </font><font style=" text-decoration:underline #000000 solid;font-style:italic;letter-spacing:0.2pt;">Annex C</font><font style="letter-spacing:0.2pt;">, does not speak as of any date other than the date of such opinion. </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.2pt;">Shareholder litigation could prevent or delay the completion of the merger or otherwise negatively impact the business and operations of Old National and CapStar.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Securities class action lawsuits and derivative lawsuits are often brought against public companies that have entered into merger agreements. Shareholders of CapStar may file lawsuits against Old National, CapStar and/or the directors and officers of either company in connection with the merger. One of the conditions to the closing is that no order, injunction or decree issued by any court or governmental entity of competent jurisdiction or other legal restraint preventing the consummation of the merger or any of the other transactions contemplated by the merger agreement be in effect. If any plaintiff were successful in obtaining an injunction prohibiting Old National or CapStar defendants from completing the merger or any of the other transactions contemplated by the merger agreement, then such injunction may delay or prevent the effectiveness of the merger and could result in significant costs to Old National and/or CapStar, including any cost associated with the indemnification of directors and officers of each company. Old National and CapStar may incur costs in connection with the defense or settlement of any shareholder lawsuits filed in connection with the merger. Such litigation could have an adverse effect on the financial condition and results of operations of Old National and CapStar and could prevent or delay the completion of the merger. </font>
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          <font style="letter-spacing:-0.2pt;">CapStar shareholders will not have appraisal or dissenters&#8217; rights in the merger.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Appraisal or dissenters&#8217; rights are statutory rights that, if applicable under law, enable shareholders to dissent from an extraordinary transaction, such as a merger, and to demand that the corporation pay the fair value for their shares as determined by a court in a judicial proceeding instead of receiving the consideration offered to shareholders in connection with the extraordinary transaction. Pursuant to Tennessee law, holders of CapStar common stock will not be entitled to dissenters&#8217; or appraisal rights in the merger with respect to their shares of CapStar common stock. </font>
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          <font style="letter-spacing:-0.2pt;">Risks Relating to CapStar&#8217;s Business</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You should read and consider risk factors specific to CapStar&#8217;s business that will also affect the combined company after the merger. These risks are described in the sections entitled &#8220;Risk Factors&#8221; in <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023006036/cstr-20221231.htm">CapStar&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2022</a> and in other documents incorporated by reference into this proxy statement/prospectus. See &#8220;Where You Can Find More Information&#8221; for the location of information incorporated by reference into this proxy statement/prospectus. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Risks Relating to Old National&#8217;s Business</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You should read and consider risk factors specific to Old National&#8217;s business that will also affect the combined company after the merger and ownership of Old National common stock. These risks are described in the sections entitled &#8220;Risk Factors&#8221; in <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000070717923000008/onb-20221231.htm">Old National&#8217;s Annual Report on Form&#160;10-K for the year ended December&#160;31, 2022</a> and in other documents incorporated by reference into this proxy statement/prospectus. See &#8220;Where You Can Find More Information&#8221; for the location of information incorporated by reference into this proxy statement/prospectus.</font>
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          <font style="letter-spacing:0.2pt;">22</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tIATC">&#8203;</a><a name="tTDAP">&#8203;</a><a name="tMTBC">&#8203;</a><a name="tROCB">&#8203;</a><a name="tRDAQ">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">INFORMATION ABOUT THE CAPSTAR SPECIAL MEETING</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">This section contains information for holders of CapStar common stock about the special meeting that CapStar has called to allow holders of CapStar common stock to consider and vote on the merger agreement and other related matters. This proxy statement/prospectus is accompanied by a notice of the special meeting of holders of CapStar common stock and a form of proxy card that the CapStar board of directors is soliciting for use by the holders of CapStar common stock at the special meeting and at any adjournments or postponements of the special meeting. </font>
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          <font style="letter-spacing:-0.2pt;">Time, Date, and Place</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The CapStar special meeting will be held on [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], 2024 at [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], Eastern Time, at&#160;[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]. Even if you plan to attend the CapStar special meeting, we recommend that you vote your shares in advance as described below so that your vote will be counted if you later decide not to or become unable to attend the special meeting. </font>
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          <font style="letter-spacing:-0.2pt;">Matters to Be Considered</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">At the CapStar special meeting, holders of CapStar common stock will be asked to consider and vote on the following proposals: </font>
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          <font style="letter-spacing:0.2pt;">the merger proposal; </font>
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          <font style="letter-spacing:0.2pt;">the compensation proposal; and </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.31pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
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          <font style="letter-spacing:0.2pt;">the adjournment proposal. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Recommendation of CapStar&#8217;s Board of Directors</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The CapStar board of directors unanimously recommends that CapStar shareholders vote &#8220;FOR&#8221; the merger proposal, &#8220;FOR&#8221; the compensation proposal, and &#8220;FOR&#8221; the adjournment proposal. For the factors considered by the CapStar board of directors in reaching its decision to adopt and approve the merger agreement, see &#8220;The Merger&#8201;&#8212;&#8201;&#8201;CapStar&#8217;s Reasons for the Merger; Recommendation of CapStar&#8217;s Board of Directors.&#8221; </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Record Date and Quorum</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The CapStar board of directors has fixed the close of business on [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], 2024 as the record date for the CapStar special meeting. Only holders of record of CapStar common stock as of the close of business on the record date are entitled to notice of, and to vote at, the CapStar special meeting, or any adjournment or postponement thereof. </font>
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          <font style="letter-spacing:0.2pt;">A majority of the voting power of the outstanding shares entitled to vote at the meeting, present in person or represented by proxy, shall constitute a quorum for the transaction of business. Abstentions will be included in determining the number of shares present at the meeting for the purpose of determining the presence of a quorum. </font>
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          <font style="letter-spacing:0.2pt;">Each holder of CapStar common stock is entitled to cast one (1)&#160;vote on each matter voted on at the special meeting for each share of CapStar common stock that such holder owned of record as of the record date. As of the close of business on the record date for the CapStar special meeting, there were [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;] outstanding shares of CapStar common stock. </font>
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          <font style="letter-spacing:0.2pt;">An executive officer and each of the directors of CapStar, who are also shareholders of CapStar, have entered into shareholder voting agreements pursuant to which they have agreed to vote in favor of the approval and adoption of the merger agreement, subject to the terms of the shareholder voting agreement. As of the record date for the CapStar special meeting, the executive officer and directors collectively and beneficially owned approximately [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;]% of the outstanding shares of CapStar common stock. </font>
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          <font style="letter-spacing:0.2pt;">We currently expect that the other CapStar executive officers will vote their shares in favor of the merger agreement and the other proposals to be considered at the special meeting, although none of them has entered into any agreements obligating them to do so. </font>
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          <font style="letter-spacing:0.2pt;">23</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tREVO">&#8203;</a><a name="tHTAA">&#8203;</a><a name="tPRO">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">Required Vote</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Merger proposal</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote required</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;Approval of the merger proposal requires the affirmative vote of a majority of all issued and outstanding shares of CapStar entitled to vote thereon. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effect of abstentions and broker non-votes</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;If you fail to vote, mark &#8220;ABSTAIN&#8221; on your proxy card, or fail to instruct your bank, broker or other nominee with respect to the merger proposal, it will have the same effect as a vote &#8220;AGAINST&#8221; the proposal. </font>
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          <font style="letter-spacing:0.2pt;">Compensation proposal</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote required</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;Approval of the compensation proposal requires the votes cast at the special meeting favoring the proposal to exceed the votes cast opposing the proposal. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effect of abstentions and broker non-votes</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;If you fail to vote, mark &#8220;ABSTAIN&#8221; on your proxy card, or fail to instruct your bank, broker or other nominee with respect to the merger proposal, it will have no effect on the outcome of the proposal. </font>
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          <font style="letter-spacing:0.2pt;">Adjournment proposal</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote required</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;Approval of the adjournment proposal requires the votes cast at the special meeting favoring the proposal to exceed the votes cast opposing the proposal. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effect of abstentions and broker non-votes</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;If you fail to vote, mark &#8220;ABSTAIN&#8221; on your proxy card, or fail to instruct your bank, broker or other nominee with respect to the adjournment proposal, it will have no effect on the outcome of the proposal. </font>
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          <font style="letter-spacing:-0.2pt;">How to Attend and Vote</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Your proxy card is your admission ticket. When you arrive at the CapStar special meeting, you will be asked to present photo identification, such as a driver&#8217;s license. If you are a beneficial owner of CapStar common stock held by a bank, broker, or other nominee, you will need proof of ownership to be admitted to the meeting. A recent brokerage statement or a letter from a bank or broker are examples of proof of ownership. If you want to vote your CapStar common stock held in nominee name in person, you must get a &#8220;legal proxy&#8221; in your name from the bank, broker, or other nominee that holds your shares. CapStar reserves the right to refuse admittance to anyone without proper proof of share ownership and without proper photo identification. The use of cameras, sound recording equipment, communications devices or any similar equipment during the CapStar special meeting is prohibited without CapStar&#8217;s express written consent. </font>
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          <font style="letter-spacing:-0.2pt;">Proxies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A holder of CapStar common stock may vote by proxy or in person at the CapStar special meeting. If you hold your shares of CapStar common stock in your name as a holder of record, to submit a proxy, you, as a holder of CapStar common stock, may use one of the following methods: </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">By telephone</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;by calling the toll-free number indicated on the accompanying proxy card and following the recorded instructions. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Through the Internet</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;by visiting the website indicated on the accompanying proxy card and following the instructions. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">By mail</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;by completing and returning the accompanying proxy card in the enclosed postage-paid envelope. The envelope requires no additional postage if mailed in the United States. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you intend to submit your proxy by telephone or via the Internet, you must do so by&#160;11:59&#160;p.m., Eastern Time, on [the day before the special meeting]. If you intend to submit your proxy by mail, your completed proxy card must be received prior to the special meeting. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">24</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tROP">&#8203;</a><a name="tSOP">&#8203;</a><a name="tOMTCB">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
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        <div style="text-indent:20pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">CapStar requests that holders of CapStar common stock vote by telephone, over the Internet or by completing and signing the accompanying proxy card and returning it to CapStar as soon as possible in the enclosed postage-paid envelope. When the accompanying proxy card is returned properly executed, the shares of CapStar common stock represented by it will be voted at the special meeting in accordance with the instructions contained on the proxy card. If you make no specification on your proxy card as to how you want your shares voted before signing and returning it, your proxy will be voted &#8220;FOR&#8221; the merger proposal, &#8220;FOR&#8221; the compensation proposal and &#8220;FOR&#8221; the adjournment proposal. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If a holder&#8217;s shares are held in &#8220;street name&#8221; by a bank, broker, or other nominee, the holder should check the voting form used by that firm to determine whether the holder may vote by telephone or the Internet. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Every vote is important. Accordingly, you should sign, date and return the enclosed proxy card, or vote via the Internet or by telephone, whether or not you plan to attend the special meeting in person. Sending in your proxy card or voting by telephone or on the Internet will not prevent you from voting your shares personally at the meeting because you may subsequently revoke your proxy. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Revocation of Proxies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If you are the record holder of CapStar common shares, you may revoke your proxy in any of the following ways: </font>
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          <font style="letter-spacing:0.2pt;">Re-submitting your vote via the Internet or by telephone, by 11:59&#160;P.M., Eastern Time on [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024; </font>
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          <font style="letter-spacing:0.2pt;">Submitting another properly completed proxy card bearing a later date which is received prior to the meeting date; </font>
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          <font style="letter-spacing:0.2pt;">Attending the special meeting in person, notifying the corporate secretary and voting by ballot at the special meeting; or </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Submitting a written notice that you are revoking your proxy. The notice must be sent to 1201 Demonbreun Street, Suite&#160;700, Nashville, Tennessee&#160;37203, Attention: Corporate Secretary, and must be received by 11:59&#160;P.M., Eastern Time on [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If your shares are held by a broker, bank, or other nominee, you should contact your broker, bank, or other nominee to change your vote. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Attendance at the special meeting will not in and of itself constitute revocation of a proxy. A revocation or later-dated proxy received by CapStar after the vote will not affect the vote. If the special meeting is postponed or adjourned, it will not affect the ability of holders of CapStar common stock of record as of the record date to exercise their voting rights or to revoke any previously granted proxy using the methods described above. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Solicitation of Proxies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">CapStar will be responsible for all of the expenses incurred in connection with the printing and mailing of this proxy statement/prospectus. To assist in the solicitation of proxies, CapStar has retained [&nbsp;&nbsp;&nbsp;], for a fee of $[&nbsp;&nbsp;&nbsp;] [plus reimbursement of out-of-pocket expenses for their services]. CapStar may also request banks, brokers, and other intermediaries holding shares of CapStar common stock beneficially owned by others to send this proxy statement/prospectus to, and obtain proxies from, the beneficial owners and may reimburse such record holders for their reasonable out-of-pocket expenses in so doing. Solicitation of proxies by mail may be supplemented by telephone and other electronic means, advertisements and personal solicitation by the directors, officers or employees of CapStar. No additional compensation will be paid to CapStar&#8217;s directors, officers or employees for solicitation. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Other Matters to Come Before the Special Meeting</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">CapStar management knows of no other business to be presented at the special meeting, but if any other matters are properly presented to the meeting or any adjournments thereof, the persons named in the proxies will vote upon them in accordance with the board of directors&#8217; recommendations. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">25</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tQAAI">&#8203;</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">Questions and Additional Information</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you have any questions about the special meeting, this proxy statement/prospectus, or your ownership of CapStar common stock, please contact (i)&#160;CapStar Financial Holdings, Inc., by mail at 1201 Demonbreun Street, Suite&#160;700, Nashville, Tennessee 37203, Attention: Investor Relations, by email at ir@capstarbank.com or by telephone at (615) 732-6455 or (ii)&#160;CapStar&#8217;s proxy solicitor, Mediant Communications, Inc.&#8201;&#8212;&#8201;a BetaNXT Company, by calling toll free at 888-879-6695. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">26</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tCAPR">&#8203;</a><a name="tPN1M">&#8203;</a><a name="tPNCP">&#8203;</a><a name="tPN3A">&#8203;</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">CAPSTAR PROPOSALS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Proposal No. 1&#8201;&#8212;&#8201;Merger Proposal</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">CapStar is asking holders of CapStar common stock to adopt and approve the merger agreement. Holders of CapStar common stock should read this proxy statement/prospectus carefully and in its entirety, including the annexes, for more detailed information concerning the merger agreement and the merger. A copy of the merger agreement is attached to this joint proxy statement/prospectus as </font><font style=" text-decoration:underline #000000 solid;font-style:italic;letter-spacing:0.2pt;">Annex A</font><font style="letter-spacing:0.2pt;">. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">After careful consideration, CapStar&#8217;s board of directors has determined and declared that the merger agreement, the merger, and the transactions contemplated by the merger agreement are advisable and in the best interests of CapStar and its shareholders, has unanimously adopted and approved the merger agreement, the merger and the other transactions contemplated by the merger agreement. See &#8220;The Merger&#8201;&#8212;&#8201;&#8201;CapStar&#8217;s Reasons for the Merger; Recommendation of CapStar&#8217;s Board of Directors.&#8221; </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The CapStar board of directors unanimously recommends that CapStar shareholders vote &#8220;FOR&#8221; the adjournment proposal.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Proposal No. 2&#8201;&#8212;&#8201;Compensation Proposal</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to Section&#160;14A of the Exchange Act and Rule&#160;14a-21(c) thereunder, CapStar is seeking a non-binding, advisory shareholder approval of the compensation of its named executive officers that is based on or otherwise relates to the merger as disclosed in the section entitled &#8220;The Merger&#8201;&#8212;&#8201;Interests of CapStar&#8217;s Directors and Executive Officers in the Merger&#8201;&#8212;&#8201;Quantification of Payments and Benefits to CapStar&#8217;s Named Executive Officers.&#8221; The proposal gives holders of CapStar common stock the opportunity to vote, on a non-binding, advisory basis, on the merger-related compensation that may be paid or become payable to CapStar&#8217;s named executive officers. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The CapStar board of directors encourages you to review carefully the named executive officer merger-related compensation information disclosed in this proxy statement/prospectus, and is asking holders of CapStar common stock to vote &#8220;FOR&#8221; the adoption of the following resolution, on a non-binding, advisory basis: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;RESOLVED, that the compensation that will or may be paid or become payable to the CapStar named executive officers, in connection with the merger, and the agreements or understandings pursuant to which such compensation will or may be paid or become payable, in each case as disclosed pursuant to Item&#160;402(t) of Regulation&#160;S-K in &#8220;The Merger&#8201;&#8212;&#8201;Interests of CapStar&#8217;s Directors and Executive Officers in the Merger&#8201;&#8212;&#8201;Quantification of Payments and Benefits to CapStar&#8217;s Named Executive Officers&#8221; are hereby APPROVED.&#8221; </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The vote on the compensation proposal is a vote separate and apart from the votes on the merger proposal and the adjournment proposal. Accordingly, if you are a holder of CapStar common stock, you may vote to approve the merger proposal and/or the adjournment proposal and vote not to approve the compensation proposal, and vice versa. The approval of the compensation proposal by holders of CapStar common stock is not a condition to the completion of the merger. Because the vote on the compensation proposal is advisory only, it will not be binding on CapStar or Old National. Accordingly, because CapStar is contractually obligated to make these payments if the merger is completed, the merger-related compensation will be paid to CapStar&#8217;s named executive officers to the extent payable in accordance with the terms of the compensation agreements and arrangements. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The CapStar board of directors unanimously recommends that CapStar shareholders vote &#8220;FOR&#8221; the compensation proposal.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Proposal No. 3&#8201;&#8212;&#8201;Adjournment Proposal</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The CapStar special meeting may be adjourned to another time, if necessary or appropriate and in accordance with the merger agreement, to permit, among other things, further solicitation of proxies if necessary to obtain additional votes in favor of the merger proposal. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">27</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:536pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">If, at the CapStar special meeting, the number of shares of CapStar common stock present or represented and voting in favor of the merger proposal is insufficient to approve such proposal, CapStar intends to move to adjourn the CapStar special meeting in order to solicit additional proxies for the approval of the merger proposal to the extent permitted under the merger agreement. Approval of the adjournment proposal requires the affirmative vote of the majority of the votes cast with respect to the proposal. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">The CapStar board of directors unanimously recommends that CapStar shareholders vote &#8220;FOR&#8221; the adjournment proposal. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">28</font>
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          <font style="letter-spacing:-0.2pt;">INFORMATION ABOUT OLD NATIONAL BANCORP</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Old National Bancorp is the financial holding company of Old National Bank, which is the sixth largest commercial bank headquartered in the Midwest. With approximately $49&#160;billion of assets and $28&#160;billion of assets under management, Old National ranks among the top 30 banking companies headquartered in the U.S.&#160;Tracing its roots to 1834, Old National Bank has focused on community banking by building long-term, highly valued partnerships with clients and in the communities it serves. In addition to providing extensive services in retail and commercial banking, Old National offers comprehensive wealth management, investment, and capital market services. Old National&#8217;s corporate headquarters and principal executive office are located in Evansville, Indiana with commercial and consumer banking operations headquartered in Chicago, Illinois. </font>
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          <font style="letter-spacing:0.2pt;">Old National Bank operates approximately 250 banking centers located primarily throughout the Midwestern United States, including Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, and Wisconsin. It earns interest income on loans as well as fee income from the origination of loans, wealth management and investment services, treasury management and other fee-based services. Lending activities include loans to individuals, which primarily consist of home equity lines of credit, residential real estate loans, and consumer loans, and loans to commercial clients, which include commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. Residential real estate loans are either kept in its loan portfolio or sold to secondary investors, with gains or losses from the sales being recognized. In addition to providing lending and deposit services, Old National offers comprehensive wealth management, investment, and foreign currency services. For businesses, it provides treasury management, merchant, and capital markets services as well as community development lending and equity investment solutions intended to produce jobs and revitalize communities in which it operates. </font>
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          <font style="letter-spacing:0.2pt;">Old National&#8217;s common stock is traded on NASDAQ under the symbol &#8220;ONB.&#8221; The principal executive offices of Old National are located at One Main Street, Evansville, Indiana 47708, and its telephone number is (800) 731-2265. </font>
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          <font style="letter-spacing:-0.2pt;">INFORMATION ABOUT CAPSTAR FINANCIAL HOLDINGS, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">CapStar is a bank holding company that is headquartered in Nashville, Tennessee. CapStar operates primarily through its wholly owned subsidiary, CapStar Bank, a Tennessee-chartered state bank. CapStar Bank was incorporated in the State of Tennessee in 2007 and acquired a state charter in 2008 which was accomplished through a de novo application with the TDFI and the Federal Reserve Bank of Atlanta. Upon approval of its charter, CapStar Bank opened for business to the public on July&#160;14, 2008. CapStar was incorporated in 2015 and, on February&#160;5, 2016, completed a share exchange with CapStar Bank&#8217;s shareholders that resulted in CapStar Bank becoming a wholly owned subsidiary of CapStar. </font>
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          <font style="letter-spacing:0.2pt;">CapStar Bank provides traditional banking and other financial services through its 22 banking centers and 365 full time employees (as of November&#160;30, 2023). As of September&#160;30, 2023, CapStar had total assets of approximately $3.26&#160;billion, total deposits of approximately $2.8&#160;billion, and total net loans of approximately $2.3&#160;billion. </font>
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          <font style="letter-spacing:0.2pt;">The primary products and services provided by CapStar Bank are: </font>
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          <font style="letter-spacing:0.2pt;">Commercial Banking&#8201;&#8212;&#8201;CapStar Bank offers a full range of banking services to businesses and professionals, including deposit and savings accounts, treasury management services, as well as financing for commercial and industrial needs, owner-occupied real estate, construction and land development, and non-owner-occupied income producing real estate some of which are sold in the secondary market. </font>
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          <font style="letter-spacing:0.2pt;">Consumer Banking&#8201;&#8212;&#8201;CapStar Bank offers a full range of banking services to individuals, including deposit and savings accounts as well as residential real estate loans, home equity loans, and other consumer loans some of which are sold in the secondary market. </font>
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          <font style="letter-spacing:0.2pt;">Wealth Management&#8201;&#8212;&#8201;CapStar Bank specializes in helping individuals develop sound retirement strategies. </font>
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          <font style="letter-spacing:0.2pt;">CapStar&#8217;s executive offices are located at 1201 Demonbreun Street, Suite&#160;700, Nashville, Tennessee 37203. CapStar&#8217;s telephone number is (615) 732-6400 and its website is http://www.capstarbank.com.</font>
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          <font style="letter-spacing:-0.2pt;">THE MERGER</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Terms of the Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Each of the Old National board of directors and the CapStar board of directors has unanimously approved the merger agreement. The merger agreement provides that, pursuant to the terms and subject to the conditions set forth in the merger agreement, CapStar will merge with and into Old National, with Old National as the surviving corporation, which is referred to as the merger. Following the merger, CapStar Bank will merge with and into Old National Bank, with Old National Bank as the surviving bank, which is referred to as the bank merger. </font>
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          <font style="letter-spacing:0.2pt;">Each share of CapStar common stock issued and outstanding immediately prior to the effective time, except for treasury stock or certain shares owned by Old National or CapStar, will be converted into the right to receive 1.155&#160;shares of Old National common stock. CapStar stockholders who would otherwise be entitled to a fraction of a share of Old National common stock in the merger will instead receive, for the fraction of a share, an amount in cash (rounded to the nearest cent) based on the Old National closing share value. </font>
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          <font style="letter-spacing:0.2pt;">As a result of the foregoing, based on the number of shares of Old National common stock and CapStar common stock outstanding as of October&#160;26, 2023, the date of the merger agreement, it is expected that Old National shareholders will hold approximately 92.4%, and CapStar shareholders will hold approximately 7.6%, of the shares of the combined company outstanding immediately after the effective time of the merger, which we refer to as the effective time. </font>
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          <font style="letter-spacing:0.2pt;">CapStar&#8217;s shareholders are being asked to approve and adopt the merger agreement. See &#8220;The Merger Agreement&#8221; for additional and more detailed information regarding the legal documents that govern the merger, including information about conditions to the completion of the merger and provisions for terminating or amending the merger agreement. Old National shareholders are not entitled to voting rights in connection with the merger. </font>
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          <font style="letter-spacing:-0.2pt;">Background of the Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In connection with CapStar&#8217;s ongoing evaluation of its long-term prospects, CapStar&#8217;s senior management and board of directors regularly assess CapStar&#8217;s business objectives and strategies, in light of several factors, including the macroeconomic and banking industry climate and expectations, all with the goal of enhancing long-term value for CapStar&#8217;s shareholders. As a part of this review, CapStar&#8217;s senior management and board of directors consider and evaluate various strategic alternatives, including performance improvement, organic growth, capital allocation, acquisitions and business combination transactions. </font>
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          <font style="letter-spacing:0.2pt;">Over the&#160;years, CapStar&#8217;s senior management and board of directors have had discussions with investment bankers and financial institutions in an effort to maintain knowledge of the relevant market for business combinations and to gauge the potential interest level and suitability of various financial institutions with respect to exploring a business combination with CapStar. These contacts have occurred through formal and informal meetings and telephone calls and impromptu meetings at investor conferences, banking industry conferences and social settings, and have been preliminary and exploratory in nature. </font>
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          <font style="letter-spacing:0.2pt;">On September&#160;7, 2022, CapStar&#8217;s board of directors held its annual strategic planning session, in which it reviewed CapStar&#8217;s financial performance and discussed various strategic alternatives available to CapStar with CapStar&#8217;s senior management. CapStar&#8217;s board of directors authorized CapStar&#8217;s senior management to continue pursuing CapStar&#8217;s organic growth strategy, while also exploring the potential for a strategic transaction with a similarly-sized bank, with the goal of increasing scale and shareholder liquidity, diversifying operating risks, and improving CapStar&#8217;s funding profile. </font>
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          <font style="letter-spacing:0.2pt;">Subsequently, Timothy K. Schools, CapStar&#8217;s Chief Executive Officer, held preliminary discussions with financial advisors regarding potential parties who would be interested and suitable for a strategic transaction with CapStar. However, during the first half of 2023, with the rapid increase in interest rates, </font>
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          <font style="letter-spacing:0.2pt;">bank failures and their associated impact on the community bank industry, CapStar&#8217;s and other parties&#8217; senior management teams were focused primarily on weathering through the challenging economic environment. </font>
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          <font style="letter-spacing:0.2pt;">The CapStar board of directors held a regularly scheduled meeting on July&#160;19, 2023, in which Mr.&#160;Schools reviewed with CapStar&#8217;s board of directors the merits and considerations with respect to various strategic alternatives in light of the macroeconomic environment. The CapStar board of directors authorized CapStar management to solicit and engage in discussions with counterparties regarding a potential strategic transaction and determined to form an ad hoc committee (the &#8220;Strategic Alternatives Committee&#8221;) to provide oversight and guidance as to CapStar&#8217;s evaluation of strategic alternatives and to provide the CapStar board of directors with its recommendation regarding any potential strategic transaction. The Strategic Alternatives Committee was subsequently comprised of the following directors: Jay Turner (Chair), Earl Bentz, Pete Delay, Tom Flynn, Harrison Frist, L.A. Green, Mr.&#160;Schools and Steve Smith. The CapStar board of directors also authorized CapStar&#8217;s senior management to engage Morgan Stanley&#160;&amp; Co. LLC (&#8220;Morgan Stanley&#8221;) as CapStar&#8217;s financial advisor and Wachtell, Lipton, Rosen &amp; Katz (&#8220;Wachtell Lipton&#8221;) as CapStar&#8217;s legal advisor, in each case in connection with any potential strategic transaction. </font>
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          <font style="letter-spacing:0.2pt;">Following the formation of the Strategic Alternatives Committee, senior management, the Strategic Alternatives Committee and CapStar&#8217;s financial and legal advisors regularly met and engaged in discussions regarding the process of considering a potential strategic alternative, and also reported to and discussed with the full board of directors at each board meeting. </font>
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          <font style="letter-spacing:0.2pt;">Throughout August 2023, CapStar&#8217;s financial advisor and senior management engaged in exploratory conversations with several potentially interested parties, including two financial institutions that we refer to as &#8220;Financial Institution A&#8221; and &#8220;Financial Institution&#160;B&#8221;, regarding a potential strategic transaction involving CapStar. Other than as noted below, these discussions did not advance beyond the preliminary stage or result in any specific proposals or provision of diligence materials. </font>
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          <font style="letter-spacing:0.2pt;">In late August, Financial Institution A submitted to CapStar a nonbinding written indication of interest, in which Financial Institution A proposed to acquire CapStar in an all-stock transaction. Also during this time, Financial Institution B provided a verbal indication of interest to CapStar&#8217;s Chief Executive Officer and Morgan Stanley, regarding a transaction in which Financial Institution B would acquire CapStar in an all-stock transaction. </font>
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          <font style="letter-spacing:0.2pt;">On August&#160;30, 2023, the Strategic Alternatives Committee held a meeting, which was attended by members of CapStar&#8217;s senior management and representatives of Morgan Stanley and Wachtell Lipton. At this meeting, members of CapStar&#8217;s senior management and representatives from Morgan Stanley provided the Strategic Alternatives Committee with their views regarding a potential transaction with Financial Institution A and Financial Institution B and the level of interest shown by other potentially interested counterparties, including the likelihood of such parties being in a position to provide an indication of interest for an acquisition of CapStar in the near term. Following discussions with CapStar&#8217;s senior management and representatives of Morgan Stanley, the Strategic Alternatives Committee determined that the indication of interest from Financial Institution A provided an adequate basis to have further discussions with Financial Institution A and authorized CapStar senior management and representatives of Morgan Stanley to do so while also continuing to explore other potentially interested parties. The Strategic Alternatives Committee also authorized Morgan Stanley to initiate discussions with Old National and a financial institution, which we refer to as &#8220;Financial Institution C&#8221;, regarding a potential strategic transaction. </font>
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          <font style="letter-spacing:0.2pt;">Thereafter, over the following weeks, Morgan Stanley, at the direction of the Strategic Alternatives Committee, made contact with several other potentially interested parties. In addition, the Strategic Alternatives Committee met regularly together with CapStar&#8217;s senior management and CapStar&#8217;s financial and legal advisors. Following these discussions, the Strategic Alternatives Committee authorized management and CapStar&#8217;s advisors to proceed with discussions with Financial Institution A, Financial Institution C and Old National, in an effort to determine their level of interest in pursuing a strategic transaction with CapStar. </font>
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          <font style="letter-spacing:0.2pt;">On September&#160;19, September&#160;20 and September&#160;22, CapStar and each of Financial Institution A, Financial Institution C and Old National, respectively, entered into a customary mutual confidentiality </font>
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          <font style="letter-spacing:0.2pt;">agreement. The mutual confidentiality agreements did not contain any standstill provisions. CapStar did not enter into any exclusivity arrangements with any financial institution throughout this strategic review process. Upon execution of each of the confidentiality agreements, CapStar granted the three financial institutions access to the electronic data room containing preliminary information on CapStar and its subsidiaries. The electronic data room was iteratively updated with additional due diligence information throughout the ensuing transaction process. </font>
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          <font style="letter-spacing:0.2pt;">At the direction of the Strategic Alternatives Committee, Morgan Stanley also provided the three financial institutions with a process letter which, among other things, requested that the parties submit their written nonbinding proposal for a potential transaction with CapStar by October&#160;9, 2023. </font>
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          <font style="letter-spacing:0.2pt;">Between September&#160;22 and October&#160;9, 2023, members of CapStar&#8217;s senior management held in-person meetings with members of Old National management and provided responsive materials in the electronic data room in connection with Old National&#8217;s due diligence review of CapStar. The additional materials uploaded to the electronic data room in response to Old National&#8217;s diligence requests were viewable by Financial Institution A and Financial Institution C. Financial Institution A and Financial Institutional&#160;C did not request diligence meetings with CapStar&#8217;s senior management or additional diligence materials beyond what was made available to them in the electronic data room. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;9, 2023, each of Financial Institution A and Old National submitted to CapStar a nonbinding indication of interest for a proposed acquisition of CapStar. Financial Institution C did not submit a proposal. Old National&#8217;s indication of interest proposed to acquire CapStar in an all-stock transaction at a fixed exchange ratio of 1.1240 Old National common shares for each CapStar common share, representing an implied premium of approximately 10% based on the closing price of Old National&#8217;s and CapStar&#8217;s common shares on October&#160;9, 2023. Financial Institution A&#8217;s indication of interest proposed to acquire CapStar in an all-stock transaction at the same proposed exchange ratio as its August&#160;29 non-binding indication of interest. Based on the closing prices of CapStar&#8217;s and Financial Institution A&#8217;s common shares on October&#160;9, 2023, Financial Institution A&#8217;s proposal represented an implied premium of approximately 2%. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">On October&#160;11, 2023, the Strategic Alternatives Committee held a meeting, with members of CapStar senior management and representatives of Morgan Stanley and Wachtell Lipton in attendance, to review the proposals received by CapStar. Members of CapStar&#8217;s senior management and representatives of Morgan Stanley compared and offered their perspectives on the proposals received from Financial Institution A and Old National, including, among other things, with respect to the implied valuation for CapStar, the consideration proposed, dividend impact, rationale and strategy, impact on employees, anticipated branch closures, likelihood of shareholder and regulatory approvals, timing for closing and material conditions. Taking into account various considerations, including the fact that Old National had provided an offer with a substantially higher implied price for CapStar, Old National had historically paid higher dividends than Financial Institution A and the level of interest and commitment demonstrated by Old National and progress made by Old National in its due diligence review of CapStar, the Strategic Alternatives Committee determined that it was in the best interest of CapStar shareholders to focus on negotiations with Old National and that further negotiations with Financial Institution A and Financial Institution C were unlikely to lead to a better offer for CapStar than the transaction with Old National. Accordingly, the Strategic Alternatives Committee authorized CapStar&#8217;s senior management to advance negotiations with Old National with a view towards finalizing definitive transaction documentation and mutual due diligence prior to CapStar&#8217;s earnings call for the third quarter, which was scheduled for October&#160;27, 2023, and seek an improved valuation for CapStar from Old National, if possible. The Strategic Alternatives Committee also authorized CapStar&#8217;s senior management and Morgan Stanley to discontinue any further discussion with Financial Institution A and Financial Institution C. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;11, 2023, at the direction of the Strategic Alternatives Committee, Morgan Stanley provided to Old National an initial draft of the merger agreement prepared by Wachtell Lipton. </font>
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          <font style="letter-spacing:0.2pt;">Shortly thereafter, Mr.&#160;Schools had a call with Mr.&#160;Jim Ryan, the Chief Executive Officer of Old National, regarding the potential transaction, in which, among other things, Mr.&#160;Schools requested Mr.&#160;Ryan to consider increasing the exchange ratio from 1.124 Old National shares for each outstanding CapStar share to 1.155 Old National shares for each outstanding CapStar share. </font>
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          <font style="letter-spacing:0.2pt;">During October&#160;2023, CapStar and Old National engaged in meetings and exchanged information regarding mutual due diligence. </font>
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          <font style="letter-spacing:0.2pt;">During the week of October&#160;16, 2023, CapStar and Old National reached alignment on the timeline for completing mutual due diligence and finalizing definitive transaction documents and agreed to work towards announcing a transaction on October&#160;26, 2023. </font>
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          <font style="letter-spacing:0.2pt;">During this time, there were several discussions among representatives of CapStar and Old National, along with their respective financial and legal advisors regarding the exchange ratio, merger agreement terms, due diligence and other matters related to the potential transaction. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;23, 2023, the Strategic Alternatives Committee held a meeting, with members of CapStar&#8217;s senior management and representatives of Morgan Stanley and Wachtell Lipton in attendance, to review the ongoing negotiations with Old National and CapStar&#8217;s reverse due diligence of Old National. </font>
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          <font style="letter-spacing:0.2pt;">During the period from October&#160;23, 2023 to October&#160;26, 2023, representatives of Old National and CapStar continued to negotiate the merger agreement. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;25, 2023, the CapStar board of directors and the CapStar Bank board of directors held a regularly scheduled meeting, which was also attended by members of CapStar management and representatives of Morgan Stanley and Wachtell Lipton. At this meeting, representatives of Morgan Stanley reviewed the financial aspects of the transaction with Old National at the proposed exchange ratio of 1.155&#160;shares of Old National for each outstanding share of CapStar. Representatives of Wachtell Lipton also reviewed the fiduciary duties of the directors in the context of this strategic transaction and summarized the terms and conditions of the transaction agreements. Following extensive discussion and questions and answers, Morgan Stanley rendered its oral opinion to the CapStar board of directors, which was subsequently confirmed by delivery of a written opinion, dated October&#160;26, 2023, to the effect that, as of the date of such opinion and based upon and subject to the various assumptions made, procedures followed, matters considered, and qualifications and limitations on review undertaken by Morgan Stanley as set forth therein, the exchange ratio pursuant to the merger agreement was fair from a financial point of view to the holders of CapStar common stock. See the section entitled &#8220;&#8212; Opinion of CapStar&#8217;s Financial Advisor&#8221; for more information. After considering the proposed terms of the merger agreement and the merger and the various presentations made to the CapStar board of directors by its financial and legal advisors, and taking into consideration the matters discussed during the meeting and prior meetings of the CapStar board of directors, including consideration of the factors described under &#8220;&#8212; Recommendation of the CapStar Board of Directors and CapStar&#8217;s Reasons for the Merger,&#8221; the CapStar board of directors determined that the merger agreement and the transactions contemplated by the merger agreement are advisable and in the best interests of CapStar and its shareholders, resolved to adopt and approve the merger agreement and the merger (subject to finalization of the merger agreement on the terms described at the meeting), to authorize management to execute the merger agreement, to submit the merger to a vote of CapStar shareholders, and to recommend to CapStar&#8217;s shareholders that they approve the merger agreement. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;26, 2023, CapStar and Old National executed the merger agreement and Old National entered into voting agreements with all directors and an officer of CapStar requiring the directors and officer to vote their respective shares of CapStar common stock in favor of the merger agreement. </font>
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          <font style="letter-spacing:0.2pt;">After the close of trading on October&#160;26, 2023, Old National and CapStar issued a joint press release to publicly announce the execution of the merger agreement and Old National held an investor call relating to the announced transaction with CapStar. </font>
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          <font style="letter-spacing:-0.2pt;">CapStar&#8217;s Reasons for the Merger; Recommendation of CapStar&#8217;s Board of Directors</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The CapStar board of directors has determined that the merger agreement and the transactions contemplated by the merger agreement, including the merger, are in the best interests of CapStar and its shareholders. In reaching its determination, the CapStar board of directors consulted with CapStar&#8217;s senior management, as well as with CapStar&#8217;s financial and legal advisors, and considered numerous factors, including the following material factors: </font>
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          <font style="letter-spacing:0.2pt;">the extensive and lengthy review undertaken by the CapStar board and management, with the assistance of financial and legal advisors, with respect to the strategic alternatives available to CapStar for enhancing value over the long term and the potential risks, rewards and uncertainties associated with such alternatives, and the CapStar board of directors&#8217; firm belief that the merger with Old National was the best option available to CapStar and its shareholders; </font>
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          <font style="letter-spacing:0.2pt;">the CapStar board of directors&#8217; views with respect to the value of the merger consideration to CapStar shareholders, including that Old National had the highest actionable proposal which was the result of a robust competitive process; </font>
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          <font style="letter-spacing:0.2pt;">a review of the prospects and risks of CapStar remaining independent, including the challenges of the current and anticipated financial, operating, and regulatory environment; </font>
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          <font style="letter-spacing:0.2pt;">the fact that 100% of the merger consideration will be in Old National common stock, which has higher average daily trading volume than CapStar common stock and offers CapStar shareholders the opportunity to participate as shareholders of Old National in the future earnings and performance of the combined company, which will be a larger, more diversified banking franchise; </font>
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          <font style="letter-spacing:0.2pt;">the anticipated pro&#160;forma financial impact of the merger on the combined company, including future profitability, balance sheet and liquidity profile of the combined company; </font>
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          <font style="letter-spacing:0.2pt;">the anticipated earnings per share accretion for CapStar shareholders as a result of the merger; </font>
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          <font style="letter-spacing:0.2pt;">the anticipated dividend per share accretion for CapStar shareholders as a result of the merger; </font>
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          <font style="letter-spacing:0.2pt;">the business, earnings, financial condition, credit quality, capital levels, management, culture, stock performance, and prospects of Old National, taking into account the favorable results of CapStar&#8217;s due diligence of Old National; </font>
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          <font style="letter-spacing:0.2pt;">the views of the CapStar board of directors with respect to the complementary aspects of the businesses and cultures of CapStar and Old National, geographic dispersion of CapStar&#8217;s and Old National&#8217;s branch offices compared to CapStar&#8217;s current branch network, business lines and compatibility of management philosophies with respect to credit quality; </font>
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          <font style="letter-spacing:0.2pt;">the views of the CapStar board of directors that both parties have comparable reputations in their respective markets for a strong corporate and customer service culture; </font>
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          <font style="letter-spacing:0.2pt;">the views of the CapStar board of directors as to the likelihood that the regulatory approvals necessary to complete the merger would be obtained; </font>
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          <font style="letter-spacing:0.2pt;">the fact that Old National is an experienced acquiror with strong relationships with regulators; </font>
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          <font style="letter-spacing:0.2pt;">the ability of the CapStar board of directors to change its recommendation that CapStar shareholders vote in favor of approval of the merger agreement, subject to the terms and conditions set forth in the merger agreement; </font>
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          <font style="letter-spacing:0.2pt;">the opinion of Morgan Stanley, dated October&#160;26, 2023, to the CapStar board of directors to the effect that, as of such date, and based upon and subject to the various assumptions made, procedures followed, matters considered, and qualifications and limitations on the scope of review undertaken by Morgan Stanley as set forth therein, the exchange ratio pursuant to the merger agreement consisting of 1.155 shares of Old National common stock to be received by the holders of shares of CapStar common stock in the merger was fair from a financial point of view, to such holders, as more fully described below under the section entitled &#8220;Opinion of CapStar&#8217;s Financial Advisor&#8221;; and </font>
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          <font style="letter-spacing:0.2pt;">the terms of the merger agreement, including the limited closing conditions and the expected tax treatment of the merger as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code for United States federal income tax purposes. </font>
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          <font style="letter-spacing:0.2pt;">The CapStar board of directors also considered a variety of risks and other potentially negative factors concerning the merger, including the following material factors: </font>
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          <font style="letter-spacing:0.2pt;">that the exchange ratio for the merger consideration is fixed, so that if the market price of Old National common stock is lower at the time of the closing of the merger, the economic value of the </font>
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          <font style="letter-spacing:0.2pt;">per share merger consideration to be received by CapStar&#8217;s shareholders in exchange for their shares of CapStar common stock will also be lower; </font>
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          <font style="letter-spacing:0.2pt;">the possibility that the merger and the related integration process could result in the loss of key employees, in the disruption of CapStar&#8217;s ongoing business and in the loss of customers for the combined company; </font>
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          <font style="letter-spacing:0.2pt;">the fact that there can be no assurance that all conditions to the parties&#8217; obligations to complete the merger will be satisfied, including the risk that certain regulatory approvals, the receipt of which is a condition to the consummation of the merger, might not be obtained, and, as a result, that the merger might not be consummated or may be subject to delay; </font>
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          <font style="letter-spacing:0.2pt;">the fact that CapStar&#8217;s officers and employees would have to focus on actions required to complete the merger, which would divert their attention from CapStar&#8217;s day-to-day business, and that CapStar will incur substantial transaction costs even if the merger is not consummated; </font>
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          <font style="letter-spacing:0.2pt;">the risk that potential benefits and synergies sought in the merger might not be realized or might not be realized within the expected time period, and the risks associated with the integration of the two companies; </font>
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          <font style="letter-spacing:0.2pt;">the restrictions on the conduct of CapStar&#8217;s business prior to the completion of the merger, which are customary for public company merger agreements involving financial institutions; </font>
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          <font style="letter-spacing:0.2pt;">the possibility of shareholder litigation relating to the merger; </font>
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          <font style="letter-spacing:0.2pt;">the fact that the merger agreement includes certain provisions that prohibit CapStar from soliciting alternative transactions and from taking certain actions in response to unsolicited proposals for alternative transactions; </font>
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          <font style="letter-spacing:0.2pt;">CapStar&#8217;s obligation to pay Old National a termination fee of $11.25&#160;million in certain circumstances and discussed further under the section titled &#8220;The Merger Agreement&#8201;&#8212;&#8201;Termination Fee&#8221;; and </font>
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          <font style="letter-spacing:0.2pt;">the interests of certain of CapStar&#8217;s directors and executive officers in the merger that are different from or in addition to those of CapStar shareholders generally, as more fully described under the section titled &#8220;&#8212; Interests of CapStar&#8217;s Directors and Executive Officers in the Merger.&#8221; </font>
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          <font style="letter-spacing:0.2pt;">In reaching its conclusion, the CapStar board of directors did not find it practical to assign, and did not assign, any relative or specific weight to the different factors that were considered, and individual members of the CapStar board of directors may have given different weight to different factors. The CapStar board of directors considered all of the information and factors presented, including the potential risks, uncertainties, advantages and disadvantages associated with the merger, in the aggregate rather than separately, and determined the benefits of the merger to outweigh the potential risks, uncertainties, and disadvantages associated with the merger and to be favorable to and support its determination. </font>
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          <font style="letter-spacing:0.2pt;">This explanation of the reasoning of the CapStar board of directors and all other information presented in this section are forward-looking in nature and should be read in light of the factors set forth in the section entitled &#8220;Cautionary Statement Regarding Forward-Looking Statements.&#8221; </font>
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          <font style="letter-spacing:-0.2pt;">For the reasons set forth above, the CapStar board of directors unanimously recommends that CapStar shareholders vote &#8220;FOR&#8221; the merger proposal.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Opinion of CapStar&#8217;s Financial Advisor</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">CapStar retained Morgan Stanley to provide it with financial advisory services in connection with a possible merger with Old National, and, if requested by CapStar, a financial opinion with respect thereto. CapStar selected Morgan Stanley to act as its financial advisor based on Morgan Stanley&#8217;s qualifications, expertise and reputation and its knowledge of the business and affairs of CapStar. Morgan Stanley rendered to the CapStar board of directors at its special meeting on October&#160;25, 2023, its oral opinion, subsequently confirmed by delivery of a written opinion dated October&#160;26, 2023, that, as of such date, and based upon and subject to the various assumptions made, procedures followed, matters considered, and qualifications and limitations on the scope of review undertaken by Morgan Stanley as set forth therein, the exchange ratio </font>
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          <font style="letter-spacing:0.2pt;">36</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">pursuant to the merger agreement was fair from a financial point of view to holders of the shares of CapStar common stock (other than the Excluded Shares). </font>
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          <font style="letter-spacing:-0.2pt;">The full text of the written opinion of Morgan Stanley, dated October&#160;26, 2023, is attached as </font><font style=" text-decoration:underline #000000 solid;font-style:italic;letter-spacing:-0.2pt;">Annex C</font><font style="letter-spacing:-0.2pt;"> and incorporated by reference into this proxy statement/prospectus. The opinion sets forth, among other things, the assumptions made, procedures followed, matters considered and qualifications and limitations on the scope of the review undertaken by Morgan Stanley in rendering its opinion. Shareholders are urged to, and should, read the opinion carefully and in its entirety. Morgan Stanley&#8217;s opinion is directed to the CapStar board of directors and addresses only the fairness, from a financial point of view, to holders of shares of CapStar common stock (other than the Excluded Shares) of the exchange ratio pursuant to the merger agreement as of the date of the opinion. Morgan Stanley&#8217;s opinion does not address any other aspect of the transactions contemplated by the merger agreement and does not constitute a recommendation to shareholders of CapStar as to how to vote at any shareholders meeting held with respect to the merger or any other matter, or whether to take any other action with respect to the merger. The summary of Morgan Stanley&#8217;s opinion set forth in this proxy statement/prospectus is qualified in its entirety by reference to the full text of the opinion. In addition, the opinion does not in any manner address the price at which Old National common stock will trade following the consummation of the merger or at any time.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">For purposes of rendering its opinion, Morgan Stanley, among other things: </font>
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          <font style="letter-spacing:0.2pt;">reviewed certain publicly available financial statements and other business and financial information of CapStar and Old National, respectively; </font>
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          <font style="letter-spacing:0.2pt;">reviewed certain internal financial statements and other financial and operating data concerning CapStar; </font>
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          <font style="letter-spacing:0.2pt;">reviewed information relating to certain strategic, financial and operational benefits anticipated from the merger, prepared by the managements of CapStar and Old National, respectively; </font>
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          <font style="letter-spacing:0.2pt;">discussed the past and current operations and financial condition and the prospects of CapStar, including information relating to certain strategic, financial and operational benefits anticipated from the merger, with senior executives of CapStar; </font>
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          <font style="letter-spacing:0.2pt;">reviewed the pro&#160;forma impact of the merger on Old National&#8217;s earnings per share, consolidated capitalization and certain financial ratios; </font>
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          <font style="letter-spacing:0.2pt;">reviewed the reported prices and trading activity for CapStar common stock and Old National common stock; </font>
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          <font style="letter-spacing:0.2pt;">compared the financial performance of CapStar and Old National and the prices and trading activity of CapStar common stock and Old National common stock with that of certain other publicly-traded companies comparable with CapStar and Old National, respectively, and their securities; </font>
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          <font style="letter-spacing:0.2pt;">reviewed the financial terms, to the extent publicly available, of certain comparable acquisition transactions; </font>
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          <font style="letter-spacing:0.2pt;">participated in certain discussions and negotiations among representatives of CapStar and Old National and their financial and legal advisors; </font>
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          <font style="letter-spacing:0.2pt;">reviewed the merger agreement and certain related documents; and </font>
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          <font style="letter-spacing:0.2pt;">performed such other analyses, reviewed such other information and considered such other factors as Morgan Stanley deemed appropriate. </font>
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          <font style="letter-spacing:0.2pt;">In arriving at its opinion, Morgan Stanley assumed and relied upon, without independent verification, the accuracy and completeness of the information that was publicly available or supplied or otherwise made available to it by CapStar and Old National, and formed a substantial basis for its opinion. </font>
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          <font style="letter-spacing:0.2pt;">At CapStar&#8217;s direction, (i)&#160;Morgan Stanley&#8217;s analysis relating to the business and financial prospects for CapStar, for purposes of its opinion, was made on the basis of certain financial projections with respect to CapStar that were primarily derived from a consensus of selected Wall Street equity research financial forecasts identified by the management of CapStar, which forecasts were extrapolated at the direction of CapStar for certain fiscal&#160;years based on CapStar&#8217;s guidance and were reviewed and approved by CapStar for Morgan </font>
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          <font style="letter-spacing:0.2pt;">37</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">Stanley&#8217;s use (such forecasts and extrapolations thereof, the &#8220;CapStar Street Forecasts&#8221;) only and (ii)&#160;Morgan Stanley&#8217;s analysis relating to the business and financial prospects for Old National, for purposes of its opinion, was made on the basis of certain financial projections with respect to Old National that were primarily derived from a consensus of selected Wall Street equity research financial forecasts identified by the management of CapStar, which forecasts were extrapolated at the direction of CapStar for certain fiscal&#160;years based on CapStar&#8217;s guidance and were reviewed and approved by CapStar for Morgan Stanley&#8217;s use (such forecasts and extrapolations thereof, the &#8220;Old National Street Forecasts&#8221;) only. Morgan Stanley was advised by CapStar, and assumed, with the consent of CapStar, that the CapStar Street Forecasts and Old National Street Forecasts were reasonable bases upon which to evaluate the business and financial prospects of CapStar and Old National, respectively. Morgan Stanley expressed no view as to the CapStar Street Forecasts or the Old National Street Forecasts or the assumptions on which they were based, including the selection of the equity research financial forecasts from which the CapStar Street Forecasts and Old National Street Forecasts were derived. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In addition, Morgan Stanley assumed that the merger will be consummated in accordance with the terms set forth in the merger agreement without any waiver, amendment or delay of any terms or conditions, including, among other things, that the merger will be treated as a tax-free reorganization, pursuant to the Internal Revenue Code of 1986, as amended, and that the definitive merger agreement would not differ in any material respect from the draft thereof furnished to Morgan Stanley. Morgan Stanley assumed that in connection with the receipt of all the necessary governmental, regulatory or other approvals and consents required for the proposed merger, no delays, limitations, conditions or restrictions will be imposed that would have a material adverse effect on the contemplated benefits expected to be derived in the proposed merger. Morgan Stanley is not a legal, tax, or regulatory advisor. Morgan Stanley is not an expert in the evaluation of allowance for loan losses, and it neither made an independent evaluation of the adequacy of the allowance for loan losses at CapStar or Old National, nor did it examine any individual loan credit files of CapStar or Old National or was requested to conduct such a review, and, as a result, Morgan Stanley assumed that the aggregate allowance for loan losses of CapStar and Old National is adequate. Morgan Stanley is a financial advisor only and relied upon, without independent verification, the assessment of CapStar and Old National and their legal, tax, or regulatory advisors with respect to legal, tax, or regulatory matters. Morgan Stanley expressed no opinion with respect to the fairness of the amount or nature of the compensation to any of CapStar&#8217;s officers, directors or employees, or any class of such persons, relative to the exchange ratio to be received by holders of shares of CapStar common stock in the transaction. Morgan Stanley did not make any independent valuation or appraisal of the assets or liabilities of CapStar or Old National, nor was it furnished with any such valuations or appraisals. Morgan Stanley&#8217;s opinion was necessarily based on financial, economic, market and other conditions as in effect on, and the information made available to it, as of October&#160;26, 2023. Events occurring after such date may affect Morgan Stanley&#8217;s opinion and the assumptions used in preparing it, and Morgan Stanley did not assume any obligation to update, revise or reaffirm its opinion. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley&#8217;s opinion did not address the relative merits of the transactions contemplated by the merger agreement as compared to any other alternative business transaction, or other business or financial strategies that might be available to CapStar, nor did it address the underlying business decision of CapStar to enter into the merger agreement or proceed with the transactions contemplated by the merger agreement. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Summary of Financial Analyses of Morgan Stanley</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The following is a summary of the material financial analyses performed by Morgan Stanley in connection with its oral opinion and the preparation of its written opinion letter dated October&#160;26, 2023. The various financial analyses summarized below were based on closing prices of CapStar common stock and Old National common stock as of October&#160;24, 2023, the last full trading day preceding the day of the special meeting of the CapStar board of directors to consider, approve, adopt and authorize the merger agreement. </font><font style="font-weight:bold;letter-spacing:-0.2pt;">Some of these summaries of financial analyses include information presented in tabular format. In order to fully understand the financial analyses used by Morgan Stanley, the tables must be read together with the text of each summary.</font><font style="letter-spacing:0.2pt;"> The tables alone do not constitute a complete description of the financial analyses. Furthermore, mathematical analysis (such as determining the average or median) is not in itself a meaningful method of using the data referred to below. </font>
        </div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">38</font>
          <br >
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-bottom:23.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">CapStar Standalone Analyses</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">CapStar Public Trading Comparables Analysis</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley performed a public trading comparables analysis, which is designed to provide an implied trading value of a company by comparing it to selected companies with similar characteristics to the company. Morgan Stanley compared certain financial information of CapStar with publicly available information for a group of selected companies. The selected companies were chosen based on Morgan Stanley&#8217;s knowledge of the industry and because these companies have businesses that may be considered similar to CapStar&#8217;s. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The group of selected companies consisted of all banks headquartered in the Southeast United States (excluding West Virginia) with total assets between $2&#160;billion and $15&#160;billion and that are publicly traded on a major exchange, excluding any companies that were troubled, merger targets in pending transactions or participants in merger of equal transactions. The selected companies consisted of: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Seacoast Banking Corporation of Florida </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">FB Financial Corporation </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">First Bancorp (Southern Pines, North Carolina) </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Amerant Bancorp Inc. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">The First Bancshares, Inc. (Hattiesburg, Mississippi) </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">SmartFinancial, Inc. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">HomeTrust Bancshares, Inc. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Capital City Bank Group, Inc. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Carter Bankshares, Inc. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Southern First Bancshares, Inc. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">First Community Bankshares, Inc. (Bluefield, Virginia) </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In all instances, multiples were based on closing stock prices on October&#160;24, 2023. For each of the following analyses performed by Morgan Stanley, financial and market data for the group of selected companies were based on the most recent publicly available information and Wall Street consensus estimates. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">With respect to the group of selected companies, the information Morgan Stanley presented included: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">multiple of price to estimated diluted earnings per share for 2024, or Price / 2024E EPS; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">multiple of price to tangible book value per share, or Price / Tangible Book Value. </font>
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        <table style="width:416pt;height:65.5pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:220.16pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Selected</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Companies&#8217;</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Top</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Quartile </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Selected</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Companies&#8217;</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Median </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Selected</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Companies&#8217;</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bottom</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Quartile </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Street</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Forecasts </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:220.16pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / 2024E EPS</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.9x</td>
            <td style="padding:0pt;padding-left:8.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.9x</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.2x</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.315pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.0x</td>
            <td style="padding:0pt;padding-left:4.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:220.16pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / Tangible Book Value</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.4x</td>
            <td style="padding:0pt;padding-left:8.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.2x</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">0.8x</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.315pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.0x</td>
            <td style="padding:0pt;padding-left:4.315pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Based on the analysis of the relevant metrics for each of the selected companies, Morgan Stanley selected a range of multiples and applied this range of multiples to the relevant financial statistics for CapStar. For purposes of this analysis, Morgan Stanley utilized estimated earnings per share for 2024 as set forth in the CapStar Street Forecasts. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">39</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley estimated the implied trading value per share of CapStar common stock as of October&#160;24, 2023, as follows: </font>
        </div>
        <table style="width:416pt;height:77.5pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:235.02pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Metric </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:50.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Multiple</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Statistic</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Range </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied Value</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Per Share of</font>
                <br >
                <font style="letter-spacing:-0.16pt;">CapStar</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Common Stock </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:235.02pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / 2024E EPS (CapStar Street Forecasts)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.305pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.36</td>
            <td style="padding:0pt;padding-left:0.305pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:50.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">9.0x&#8201;&#8211;&#8201;11.0x </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">$12.20&#8201;&#8211;&#8201;$14.92 </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 1.5pt 0pt; width:235.02pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / Tangible Book Value (CapStar Street </font>
                <br >
                <font style="letter-spacing:-0.2pt;">Forecasts)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.305pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.47</td>
            <td style="padding:0pt;padding-left:0.305pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; width:50.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">0.8x&#8201;&#8211;&#8201;1.4x </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">$11.57&#8201;&#8211;&#8201;$20.25</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.09pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley also did a regression-based analysis based on Price / Tangible Book Value versus 2024 return on average tangible common equity for each of the selected companies. The range of estimated regression-based analysis implied values represents +/- 10% of the value implied by the regression line equation. Utilizing a 2024 return on average tangible common equity estimate for CapStar of 9.0%, as set forth in the CapStar Street Forecasts, the low-end range of $12.08 represents the implied value if CapStar were valued at 90% of the value implied by the regression line and the high-end range of $14.97 represents the implied value if CapStar were valued at 110% of the value implied by the regression line. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">No company in the public trading comparables analysis is identical to CapStar. In evaluating the group of selected companies, Morgan Stanley made judgments and assumptions with regard to industry performance, general business, economic, market and financial conditions and other matters, many of which are beyond the control of CapStar, such as the impact of competition on the business of CapStar or the industry generally, industry growth and the absence of any material adverse change in the financial condition and prospects of CapStar or the industry or in the financial markets in general. Mathematical analysis, such as determining the average or median, is not in itself a meaningful method of using peer group data. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">CapStar Dividend Discount Analysis</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Using the CapStar Street Forecasts for 2023, 2024 and 2025 and assuming, at the direction of CapStar management, 3.0% annual growth thereafter and that CapStar would make distributions of capital in excess of the amount necessary to achieve a 12.0% common equity Tier 1 ratio level, Morgan Stanley performed a dividend discount analysis for CapStar on a standalone basis. Morgan Stanley calculated a range of implied values per share of CapStar common stock based on the sum of the discounted present values of (a)&#160;projected dividends on shares of CapStar common stock as of June&#160;30, 2023 through December&#160;31, 2028 and (b)&#160;a projected terminal value of CapStar common stock as of December&#160;31, 2028. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley based its analysis on a range of terminal forward multiples of 9.0x to 11.0x to the terminal year 2029 estimated forward earnings and 10.5% to 12.5% discount rates, using the capital asset pricing model. Utilizing the range of discount rates and terminal value multiples, Morgan Stanley derived an implied valuation range of present value indications per share of CapStar common stock ranging from $12.05 to $14.90 using the CapStar Street Forecasts. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">CapStar Precedent Transactions Analysis</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley performed a precedent transactions analysis, which attempts to imply a value of a company based on publicly available financial terms of selected transactions. Morgan Stanley reviewed the publicly available financial information for certain transactions (excluding mergers of equals) between October&#160;24, 2018 and October&#160;24, 2023 with a transaction value between $200&#160;million and $500&#160;million involving businesses that Morgan Stanley judged to be similar in certain respects to CapStar&#8217;s business or aspects thereof based on Morgan Stanley&#8217;s professional judgment and experience. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of this analysis, based on publicly available financial information, Morgan Stanley analyzed the multiple of price to forward estimated diluted earnings per share, or Price / Forward EPS, and the multiple of price to tangible book value per share, or Price / TBV, for each of the target companies in </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">40</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">the selected transactions. The transactions reviewed, the date that each transaction was announced and the corresponding multiples were as follows: </font>
        </div>
        <table style="width:456pt;height:323.2pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:78pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Date Announced </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:125pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Acquiror </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:125pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Target </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Price/</font>&#8203;<br ><font style="letter-spacing:-0.16pt;">Forward</font><br ><font style="letter-spacing:-0.16pt;">EPS </font></div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Price/TBV </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.27pt 0pt 1.79pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">November&#160;2018 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.27pt 0pt 1.79pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">People&#8217;s United Financial, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.27pt 0pt 1.79pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">BSB Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.27pt 0pt 1.79pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.27pt 0pt 1.79pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">N/A</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.27pt 0pt 1.79pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.27pt 0pt 1.79pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.6x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">April&#160;2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">First Citizens BancShares, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Entegra Financial Corp. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">13.6x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">N/A</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">September&#160;2019 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Sandy Spring Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Revere Bank </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">14.1x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.7x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">March&#160;2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Peoples Bancorp Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; width:125pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:0.18pt;">Premier Financial Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">N/A</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.53pt 0pt 1.78pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.4x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97000000000001pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">June&#160;2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">First Bancorp </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Select Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">15.6x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.9x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">June&#160;2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">First Foundation Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">TGR Financial, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">14.1x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.54pt 0pt 1.77pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.7x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.77pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">June&#160;2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">United Bankshares, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; width:125pt;white-space:normal;">
              <div style="margin-left:9pt; text-indent:-9pt; text-align:center;">
                <font style="letter-spacing:0.18pt;">Community Bankers Trust Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">17.1x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.7x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.77pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">June&#160;2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Valley National Bancorp </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; width:125pt;white-space:normal;">
              <div style="margin-left:9pt; text-indent:-9pt; text-align:center;">
                <font style="letter-spacing:0.18pt;">The Westchester Bank Holding Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">N/A</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.35pt 0pt 1.17pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.7x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">July&#160;2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Lakeland Bancorp </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">1st Constitution Bancorp </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">12.2x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.5x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">July&#160;2021 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">F.N.B. Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Howard Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">18.2x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.5x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">May&#160;2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:125pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:0.18pt;">United Community Banks, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; width:125pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:0.18pt;">Progress Financial Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">11.1x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.55pt 0pt 1.76pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.7x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">May&#160;2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Brookline Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">PCSB Financial Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">14.9x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.2x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.96999999999997pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">June&#160;2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">First Bancorp </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">GrandSouth Bancorporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">10.8x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.8x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.77pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">July&#160;2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">The First Bancshares, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; width:125pt;white-space:normal;">
              <div style="margin-left:9pt; text-indent:-9pt; text-align:center;">
                <font style="letter-spacing:0.18pt;">Heritage Southeast Bancorporation, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">12.8x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.8x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.77pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">August&#160;2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; width:125pt;white-space:normal;">
              <div style="margin-left:9pt; text-indent:-9pt; text-align:center;">
                <font style="letter-spacing:0.18pt;">Seacoast Banking Corporation of Florida </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Professional Holding Corp. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">16.5x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.15pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">2.2x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.96999999999997pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">December&#160;2022 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">NBT Bancorp Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; width:125pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">Salisbury Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">12.2x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.56pt 0pt 1.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.8x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.77pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.75pt 0pt; width:78pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.18pt;">July&#160;2023 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.75pt 0pt; width:125pt;white-space:normal;">
              <div style="margin-left:9pt; text-indent:-9pt; text-align:center;">
                <font style="letter-spacing:0.18pt;">Atlantic Union Bankshares Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.75pt 0pt; width:125pt;">
              <div style="margin-left:9pt; text-indent:-9pt; text-align:center;">
                <font style="letter-spacing:0.18pt;">American National Bankshares </font>
                <br >
                <font style="letter-spacing:0.18pt;">Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.75pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">14.8x</td>
            <td style="padding:0pt;padding-left:10.28pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.75pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.37pt 0pt 1.75pt 0pt; min-width:12.75pt; text-align:right; white-space:nowrap;">1.7x</td>
            <td style="padding:0pt;padding-left:11.065pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.09pt; width:456pt; line-height:12.5pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">The selected precedent transactions varied significantly based upon company scale, business risks, growth prospects and geography, as well as prevailing market trends. Based on its experience and professional judgment and taking into consideration, among other things, the prevailing market trends for the valuation and performance of companies in CapStar&#8217;s industry at the time of each transaction as compared to the current prevailing market trends, Morgan Stanley selected a range of multiples and applied this range of multiples to the relevant financial statistics for CapStar. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">Based on this analysis, Morgan Stanley calculated a range of implied equity values per CapStar common stock as follows: </font>
        </div>
        <table style="width:416pt;height:65.5pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:230.02pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Metric </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:55.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Multiple</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Statistic</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Range </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied Value</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Per Share of</font>
                <br >
                <font style="letter-spacing:-0.16pt;">CapStar</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Common Stock </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:230.02pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / Forward EPS</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.305pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.36</td>
            <td style="padding:0pt;padding-left:0.305pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:55.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">10.8x&#8201;&#8211;&#8201;14.1x </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">$14.64&#8201;&#8211;&#8201;$19.12 </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:230.02pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / TBV</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.305pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.50</td>
            <td style="padding:0pt;padding-left:0.305pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:55.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">1.2x&#8201;&#8211;&#8201;1.7x </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">$17.40&#8201;&#8211;&#8201;$24.65</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.09pt; width:456pt; line-height:12.5pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">No company or transaction used in the precedent transactions analysis is identical to CapStar or the merger. In evaluating the precedent transactions, Morgan Stanley made judgments and assumptions with regard to industry performance, general business, economic, market and financial conditions and other matters, which are beyond the control of CapStar. These include, among other things, the impact of competition on the business of CapStar or the industry generally, industry growth, and the absence of any adverse material change in the financial condition and prospects of CapStar or the industry, and in the financial markets in general. Mathematical analysis is not in itself a meaningful method of using precedent transactions data. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">41</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">CapStar Analyst Price Targets Analysis</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For reference only, and not as a component of its fairness analysis, Morgan Stanley reviewed future public market trading price targets for CapStar common stock prepared and published by research analysts prior to October&#160;24, 2023, as reported by Capital IQ. These forward targets reflected each analyst&#8217;s estimate of the future public market trading price of CapStar common stock. The range of such analyst price targets per share for CapStar common stock discounted for one year back to October&#160;24, 2023 at a rate of 11.5%, such discount rate selected by Morgan Stanley, upon the application of the capital asset pricing model together with its professional judgment, to reflect CapStar&#8217;s cost of equity as of October&#160;24, 2023, was $13.45 to $15.24 per share. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The public market trading price targets published by research analysts do not necessarily reflect current market trading prices for CapStar common stock, and these estimates are subject to uncertainties, including the future financial performance of CapStar, industry dynamics and future financial market conditions. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Old National Standalone Analysis</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Old National Public Trading Comparables Analysis</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley performed a public trading comparables analysis, which is designed to provide an implied trading value of a company by comparing it to selected companies with similar characteristics to the company. Morgan Stanley compared certain financial information of Old National with publicly available information for a group of selected companies. The selected companies were chosen based on Morgan Stanley&#8217;s knowledge of the industry and because these companies have businesses that may be considered similar to Old National&#8217;s. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The group of selected companies consisted of a group of publicly traded financial services companies defined by Old National in its most recent proxy statement prior to the date of the opinion, with asset sizes ranging from $32&#160;billion to $90&#160;billion and a median asset size of $51&#160;billion: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">Comerica Incorporated </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">Zions Bancorporation </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">First Horizon Corporation </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Webster Financial Corporation </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Western Alliance Bancorporation </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Valley National Bancorp </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Synovus Financial Corp. </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Wintrust Financial Corporation </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Columbia Banking System, Inc. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">BOK Financial Corporation </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Cadence Bancorp, LLC </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">F.N.B. Corporation </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">UMB Financial Corporation </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Associated Banc-Corp </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Hancock Whitney Corporation </font>
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          <font style="letter-spacing:0.2pt;">In all instances, multiples were based on closing stock prices on October&#160;24, 2023. For each of the following analyses performed by Morgan Stanley, financial and market data for the group of selected companies were based on the most recent publicly available information and Wall Street consensus estimates. </font>
        </div>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">42</font>
          <br >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">With respect to the group of selected companies, the information Morgan Stanley presented included: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">multiple of price to estimated diluted earnings per share for 2024, or Price / 2024E EPS; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">multiple of price to tangible book value per share, or Price / Tangible Book Value. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <table style="width:416pt;height:65.5pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:216.13pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Selected</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Companies&#8217;</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Top Quartile </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Selected</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Companies&#8217;</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Median </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Selected</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Companies&#8217;</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bottom</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Quartile </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Old</font>
                <br >
                <font style="letter-spacing:-0.16pt;">National</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Street</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Forecasts </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:216.13pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / 2024E EPS</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">7.8x</td>
            <td style="padding:0pt;padding-left:12.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">7.2x</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">6.7x</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">7.3x</td>
            <td style="padding:0pt;padding-left:6.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:216.13pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / Tangible Book Value</font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.2x</td>
            <td style="padding:0pt;padding-left:12.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.1x</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.0x</td>
            <td style="padding:0pt;padding-left:10.565pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.815pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.3x</td>
            <td style="padding:0pt;padding-left:6.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:7.71pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Based on the analysis of the relevant metrics for each of the selected companies, Morgan Stanley selected a range of multiples and applied this range of multiples to the relevant financial statistics for Old National. For purposes of this analysis, Morgan Stanley utilized estimated earnings per share for 2024 as set forth in the Old National Street Forecasts. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley estimated the implied trading value per share of Old National common stock as of October&#160;24, 2023, as follows: </font>
        </div>
        <table style="width:416pt;height:77.5pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:239.18pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Old</font>
                <br >
                <font style="letter-spacing:-0.16pt;">National</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Metric </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:45.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Multiple</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Statistic</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Range </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied Value</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Per Share of</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Old National</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Common Stock </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:239.18pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / 2024E EPS (Old National Street Forecasts)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.725pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.84</td>
            <td style="padding:0pt;padding-left:0.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:45.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">6.5x&#8201;&#8211;&#8201;8.5x </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">$11.97&#8201;&#8211;&#8201;$15.65 </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 1.5pt 0pt; width:239.18pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Price / Tangible Book Value (Old National Street Forecasts)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.725pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.03</td>
            <td style="padding:0pt;padding-left:0.725pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; width:45.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">1.0x&#8201;&#8211;&#8201;1.3x </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; width:65.83pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">$10.03&#8201;&#8211;&#8201;$13.04</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:7.71pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley also did a regression-based analysis based on Price / Tangible Book Value versus 2024 return on average tangible common equity for each of the selected companies. The range of estimated regression-based analysis implied values represents +/- 10% of the value implied by the regression line equation. Utilizing a 2024 return on average tangible common equity estimate for Old National of 16.1%, as set forth in the Old National Street Forecasts, the low-end range of $10.42 represents the implied value if Old National were valued at 90% of the value implied by the regression line and the high-end range of $12.43 represents the implied value if Old National were valued at 110% of the value implied by the regression line. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">No company in the public trading comparables analysis is identical to Old National. In evaluating the group of selected companies, Morgan Stanley made judgments and assumptions with regard to industry performance, general business, economic, market and financial conditions and other matters, many of which are beyond the control of Old National, such as the impact of competition on the business of Old National or the industry generally, industry growth and the absence of any material adverse change in the financial condition and prospects of Old National or the industry or in the financial markets in general. Mathematical analysis, such as determining the average or median, is not in itself a meaningful method of using peer group data. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Old National Dividend Discount Analysis</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Using the Old National Street Forecasts for 2023, 2024 and 2025 and assuming, at the direction of CapStar management, 3.0% annual growth thereafter and that Old National would make distributions of capital in excess of the amount necessary to achieve a 10.0% common equity Tier 1 ratio level, Morgan Stanley performed a dividend discount analysis for Old National on a standalone basis. Morgan Stanley calculated a range of implied values per share of Old National common stock based on the sum of the discounted present values of (a)&#160;projected dividends on shares of Old National common stock as of June&#160;30, 2023 through December&#160;31, 2028 and (b)&#160;a projected terminal value of Old National common stock as of December&#160;31, 2028. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Morgan Stanley based its analysis on a range of terminal forward multiples of 7.5x to 9.5x to the terminal year 2029 estimated forward earnings and 10.9% to 12.9% discount rates, using the capital asset </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">43</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">pricing model. Utilizing the range of discount rates and terminal value multiples, Morgan Stanley derived an implied valuation range of present value indications per share of Old National common stock ranging from $15.14 to $18.79 using the Old National Street Forecasts. </font>
        </div>
        <div style="margin-top:11.81pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Old National Analyst Price Targets Analysis</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For reference only, and not as a component of its fairness analysis, Morgan Stanley reviewed future public market trading price targets for Old National common stock prepared and published by research analysts prior to October&#160;24, 2023, as reported by Capital IQ. These forward targets reflected each analyst&#8217;s estimate of the future public market trading price of Old National common stock. The range of such analyst price targets per share for Old National common stock discounted for one year back to October&#160;24, 2023 at a rate of 11.9%, such discount rate selected by Morgan Stanley, upon the application of the capital asset pricing model together with its professional judgment, to reflect Old National&#8217;s cost of equity as of October&#160;24, 2023, was $13.41 to $17.43 per share. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The public market trading price targets published by research analysts do not necessarily reflect current market trading prices for Old National common stock, and these estimates are subject to uncertainties, including the future financial performance of Old National, industry dynamics and future financial market conditions. </font>
        </div>
        <div style="margin-top:11.81pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Exchange Ratios Analysis</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Using the implied value per share reference ranges for CapStar and Old National indicated in the public trading comparables analyses, the regression analyses and the dividend discount analyses of CapStar and Old National described above, Morgan Stanley calculated ranges of implied exchange ratios of CapStar common stock into Old National common stock. The implied exchange ratios represent the range of high-to-low and low-to-high exchange ratios implied by the respective valuation analyses. This implied exchange ratio analysis indicated the following implied exchange ratio reference ranges (rounded to three decimal places), as compared to the exchange ratio of 1.155x provided for in the merger agreement: </font>
        </div>
        <table style="width:416pt;height:137.5pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:338.17pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;text-align:center;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied Exchange</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio Range </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:338.17pt;text-align:left;">
              <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Price / 2024 EPS</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:48.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:338.17pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">CapStar Street Projections to Old National Street Projections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:48.75pt; text-align:right; white-space:nowrap;">0.780x&#8201;&#8211;&#8201;1.246x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:338.17pt;text-align:left;">
              <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Price / Tangible Book Value</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:48.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:338.17pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">CapStar Street Projections to Old National Street Projections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:48.75pt; text-align:right; white-space:nowrap;">0.887x&#8201;&#8211;&#8201;2.019x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:338.17pt;text-align:left;">
              <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Price / TBV vs. ROATCE (2024E) Regression</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:48.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:338.17pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">CapStar Street Projections to Old National Street Projections </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:48.75pt; text-align:right; white-space:nowrap;">0.972x&#8201;&#8211;&#8201;1.437x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Dividend Discount Analysis</font>
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                <font style="letter-spacing:0.2pt;">CapStar Street Projections to Old National Street Projections </font>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:48.75pt; text-align:right; white-space:nowrap;">0.642x&#8201;&#8211;&#8201;0.984x</td>
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          <font style="letter-spacing:0.2pt;">For reference only, and not as a component of its fairness analysis, Morgan Stanley used the implied value per share reference ranges for CapStar and Old National indicated in the analyst price targets analyses of CapStar and Old National described above to calculate the range of implied exchange ratios of CapStar common stock into Old National common stock. The implied exchange ratios represent the range of high-to-low and low-to-high exchange ratios implied by the analyst price targets analyses. This implied exchange ratio analysis indicated the implied exchange ratio reference ranges (rounded to three decimal places) of 0.772x to 1.137x, as compared to the exchange ratio of 1.155x provided for in the merger agreement. </font>
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          <font style="letter-spacing:0.2pt;">The public market trading price targets published by research analysts do not necessarily reflect current market trading prices for CapStar common stock or Old National common stock, and these estimates are subject to uncertainties, including the future financial performance of CapStar or Old National, industry dynamics and future financial market conditions. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">General</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In connection with the review of the merger by CapStar&#8217;s board of directors, Morgan Stanley performed a variety of financial and comparative analyses for purposes of rendering its opinion. The preparation of a </font>
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          <font style="letter-spacing:0.2pt;">44</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">financial opinion is a complex process and is not necessarily susceptible to a partial analysis or summary description. In arriving at its opinion, Morgan Stanley considered the results of all of its analyses as a whole and did not attribute any particular weight to any analysis or factor it considered. Morgan Stanley believes that selecting any portion of its analyses, without considering all analyses as a whole, would create an incomplete view of the process underlying its analyses and opinion. In addition, Morgan Stanley may have given various analyses and factors more or less weight than other analyses and factors, and may have deemed various assumptions more or less probable than other assumptions. As a result, the ranges of valuations resulting from any particular analysis described above should not be taken to be Morgan Stanley&#8217;s view of the actual value of CapStar or Old National. In performing its analyses, Morgan Stanley made numerous assumptions with regard to industry performance, general business, economic, market and financial conditions and other matters which are beyond the control of CapStar or Old National. Any estimates contained in Morgan Stanley&#8217;s analyses are not necessarily indicative of future results or actual values, which may be significantly more or less favorable than those suggested by such estimates. </font>
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          <font style="letter-spacing:0.2pt;">Morgan Stanley conducted the analyses described above solely as part of its analysis of the fairness from a financial point of view to holders of shares of CapStar common stock (other than the Excluded Shares) of the exchange ratio pursuant to the merger agreement, and in connection with the delivery of its oral opinion, and its subsequent written opinion, to CapStar&#8217;s board of directors. These analyses do not purport to be appraisals or to reflect the prices at which CapStar common stock or Old National common stock might actually trade. Morgan Stanley expressed no opinion or recommendation as to how the shareholders of CapStar should vote at the shareholders&#8217; meeting to be held in connection with the merger. The exchange ratio pursuant to the merger agreement was determined through arm&#8217;s-length negotiations between CapStar and Old National and was approved by CapStar&#8217;s board of directors. Morgan Stanley provided advice to CapStar during these negotiations but did not, however, recommend any specific exchange ratio to CapStar or Old National, or that any specific exchange ratio constituted the only appropriate exchange ratio for the merger. </font>
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          <font style="letter-spacing:0.2pt;">Morgan Stanley&#8217;s opinion and its presentation to CapStar&#8217;s board of directors was one of many factors taken into consideration by CapStar&#8217;s board of directors in deciding to approve, adopt and authorize the merger agreement and approve the transactions contemplated thereby, including the merger. Consequently, the analyses as described above should not be viewed as determinative of the opinion of CapStar&#8217;s board of directors with respect to the exchange ratio pursuant to the merger agreement or of whether CapStar&#8217;s board of directors would have been willing to agree to a different exchange ratio. Morgan Stanley&#8217;s opinion was approved by a committee of Morgan Stanley investment banking and other professionals in accordance with its customary practice. </font>
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          <font style="letter-spacing:0.2pt;">CapStar&#8217;s board of directors retained Morgan Stanley based upon Morgan Stanley&#8217;s qualifications, experience and expertise. Morgan Stanley is an internationally recognized investment banking and advisory firm. Morgan Stanley is a global financial services firm engaged in the securities, investment management and individual wealth management businesses. Its securities business is engaged in securities underwriting, trading and brokerage activities, foreign exchange, commodities and derivatives trading, prime brokerage, as well as providing investment banking, financing and financial advisory services. Morgan Stanley, its affiliates, directors and officers may at any time invest on a principal basis or manage funds that invest, hold long or short positions, finance positions, and may trade or otherwise structure and effect transactions, for their own account or the accounts of its customers, in debt or equity securities or loans of CapStar, Old National or any other company, or any currency or commodity, that may be involved in this transaction, or any related derivative instrument. </font>
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          <font style="letter-spacing:0.2pt;">Under the terms of its engagement letter, as compensation for its services relating to the merger, CapStar has agreed to pay Morgan Stanley a fee, which is currently estimated, based on the information available as of the date of announcement, to be approximately $4,160,000 in the aggregate, $500,000 of which was payable upon the rendering of its opinion and the remainder of which is contingent upon the consummation of the merger. CapStar has also agreed to reimburse Morgan Stanley for its reasonable expenses incurred in performing its services. In addition, CapStar has agreed to indemnify Morgan Stanley and its affiliates, their respective directors, officers, agents and employees and each person, if any, controlling Morgan Stanley or any of its affiliates against certain liabilities and expenses related to or arising out of Morgan Stanley&#8217;s engagement. During the two&#160;years preceding the date of delivery of Morgan Stanley&#8217;s </font>
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          <font style="letter-spacing:0.2pt;">45</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tIOCD">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">written opinion, Morgan Stanley and its affiliates have not provided financial advisory or financing services for CapStar and Old National and have not received fees in connection with such services. Morgan Stanley may also seek to provide financial advisory and financing services to CapStar, Old National and their respective affiliates in the future and would expect to receive fees for the rendering of these services. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Interests of CapStar&#8217;s Directors and Executive Officers in the Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In considering the recommendation of the CapStar board of directors with respect to the merger, CapStar shareholders should be aware that CapStar&#8217;s directors and executive officers have interests in the merger that may be different from, or in addition to, the interests of the other CapStar shareholders. The CapStar board of directors was aware of and considered these interests during its deliberations of the merits of the merger and in determining to recommend to CapStar shareholders that they vote for the merger proposal and thereby approve the transactions contemplated by the merger agreement, including the merger. </font>
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          <font style="letter-spacing:0.2pt;">These interests are described in more detail below, and certain of them are quantified in the narrative below, including compensation that may become payable in connection with the merger to CapStar&#8217;s named executive officers (which is the subject of an advisory (nonbinding) vote of CapStar stockholders). For more information, please see the section of this proxy statement/prospectus entitled &#8220;Proposal No. 2&#8201;&#8212;&#8201; Compensation Proposal.&#8221; The dates used below to quantify these interests have been selected for illustrative purposes only in accordance with SEC rules and do not necessarily reflect the dates on which certain events will occur. </font>
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          <font style="letter-spacing:0.2pt;">CapStar&#8217;s executive officers (all of whom are named executive officers) are: </font>
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          <font style="letter-spacing:0.2pt;">Timothy K. Schools&#8201;&#8212;&#8201;</font><font style="font-style:italic;letter-spacing:0.2pt;">President and Chief Executive Officer</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Michael J. Fowler&#8201;&#8212;&#8201;</font><font style="font-style:italic;letter-spacing:0.2pt;">Chief Financial Officer</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Christopher G. Tietz&#8201;&#8212;&#8201;</font><font style="font-style:italic;letter-spacing:0.2pt;">Chief Credit Policy Officer and Executive Vice President of Specialty Banking</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Kenneth E. Webb&#8201;&#8212;&#8201;</font><font style="font-style:italic;letter-spacing:0.2pt;">Interim Chief Operations and Technology Officer</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Treatment of CapStar Equity Awards</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">At the effective time of the merger, (i)&#160;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)&#160;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 Old National and converted into a restricted stock award with respect to the number of shares of Old National 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)&#160;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 of the merger will be assumed by Old National and converted into a restricted stock unit award with respect to the number of shares of Old National common stock determined based on the exchange ratio; and (iv)&#160;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 of the merger, 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, less applicable tax withholding. </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">Under the Change in Control Continuity Agreements with CapStar&#8217;s executive officers, the vesting of awards assumed or substituted by an acquiror in a change in control would accelerate in full if the holder&#8217;s employment is terminated without cause within three&#160;years following the change in control (</font><font style="font-style:italic;letter-spacing:0.2pt;">i.e.</font><font style="letter-spacing:0.2pt;">, double-trigger). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For an estimate of the value of unvested equity awards that would vest assuming that the merger closed on December&#160;31, 2023, and each of the named executive officers experienced a termination without cause on that date, see &#8220;&#8212; Quantification of Payments and Benefits to CapStar&#8217;s Named Executive Officers&#8221; below. We estimate that the aggregate value of unvested equity awards (including accrued but unpaid dividends) held by all non-employee directors of CapStar that would vest assuming that the merger closed on December&#160;31, 2023 is $518,854, calculated based on the merger consideration of $15.11 per share (the average closing price of a share of CapStar common stock on the five days following the announcement of the merger). </font>
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          <font style="letter-spacing:-0.2pt;">Change in Control Continuity Agreements</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">CapStar is party to a Change in Control Continuity Agreement with each of its executive officers. Such agreements provide, in the event of an executive officer&#8217;s termination of employment without cause or for good reason within three&#160;years following a change in control (or in anticipation of a change in control), for the following severance benefits: (a)&#160;a prorated annual bonus for the year of termination (based on the greater of the executive&#8217;s target opportunity and the average annual bonus paid to the executive in the preceding three&#160;years); (b)&#160;a lump sum cash payment equal to the product of a severance multiple (3x for Mr.&#160;Schools, 1.5x for Messrs. Fowler and Webb and 2x for Mr.&#160;Tietz), multiplied by the sum of the executive&#8217;s annual base salary and annual bonus (based on the greater of the executive&#8217;s target opportunity and the average annual bonus paid to the executive in the preceding three&#160;years), paid in a lump-sum on the 60th day following termination, payable within 30&#160;days following the date of termination; (c)&#160;accelerated vesting of outstanding equity awards; (d)&#160;an amount in cash equal to CapStar&#8217;s contributions under its tax-qualified defined contribution plan and any excess or supplemental defined contribution plans; (e)&#160;in the case of Mr.&#160;Schools, a cash payment of $1,000,000 (the &#8220;post-termination medical payment&#8221;), which is intended to enable him to obtain medical insurance following his termination of employment, and in the case of the other executive officers, an amount in cash equal to the product of (i)&#160;the sum of (x)&#160;125% of the monthly premiums for coverage under CapStar&#8217;s health care plans for purposes of continuation coverage under Section&#160;4980B of the Internal Revenue Code with respect to the maximum level of coverage in effect for the executive and his or her dependents as of immediately prior to the date of termination, and (y)&#160;125% of the monthly premium for coverage (based on the rate paid by CapStar for active employees) under the life insurance plans of CapStar, in each case, based on the plans and at the levels of participation in which the executive participates as of immediately prior to the date of termination, multiplied by (ii)&#160;18 for Messrs. Fowler and Webb and 24 for Mr.&#160;Tietz; and (f)&#160;CapStar shall provide the executive with outplacement services of up to $25,000. In addition, Mr.&#160;Schools&#8217; Change in Control Continuity Agreement provides for a pay to integrate award of $1,000,000, which is contingent on his continued service through the closing of the merger. </font>
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          <font style="letter-spacing:0.2pt;">The Change in Control Continuity Agreements incorporate by reference from the executive officers&#8217; employment agreements restrictive covenants concerning noncompetition and nonsolicitation of employees, independent contractors, customers and business relations during employment for one year thereafter and perpetual nondisparagement and nondisclosure covenants. In addition, in consideration for the pay to integrate award and post-termination medical payment described above, Mr.&#160;Schools agreed to extend his noncompetition covenant from one year to two&#160;years following his termination of employment. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For an estimate of the value of the payments and benefits described above that would be payable to CapStar&#8217;s executive officers assuming that the effective time occurs on December&#160;31, 2023 and that the executive experiences a termination without cause on that date, see &#8220;&#8212; Quantification of Payments and Benefits to CapStar&#8217;s Named Executive Officers&#8221; below. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Section&#160;280G and 4999 of the Code</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the Control Continuity Agreements with each of our executive officers, if payments or benefits to such executive would be subject to Sections&#160;280G and 4999 of the Code, such payments would </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">47</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">be reduced to the extent the executive would be better off after taxes. Pursuant to the merger agreement, CapStar may take actions in order to mitigate any impact of Sections&#160;280G and 4999 of the Code, including valuing the restrictive covenants applicable to any individual, entering into new restrictive covenants and accelerating income into 2023. As part of such mitigation, Mr.&#160;Schools&#8217; pay to integrate award and post-termination medical payment were paid in December&#160;2023, subject to a repayment obligation if Mr.&#160;Schools voluntarily terminates his employment or is terminated for cause prior to the closing of the merger. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Annual Bonuses</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Prior to the closing of the merger, CapStar may pay annual incentives and other bonuses in respect of 2023 to its eligible employees (including the executive officers) at a level equal to the greater of (a)&#160;the applicable employee&#8217;s threshold bonus opportunity and (b)&#160;the bonus that such employee would have earned based upon actual performance. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If the closing of the merger has not occurred by January&#160;1, 2024, CapStar may establish and pay annual incentives and other bonuses in respect of 2024 to its eligible employees (including the executive officers) at a level equal to the greater of (a)&#160;the applicable employee&#8217;s target bonus opportunity and (b)&#160;the bonus that such employee would have earned based upon actual performance. If the closing occurs prior to December&#160;31, 2024, such bonuses will be prorated based on the portion of the year elapsed through the date of closing. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Indemnification Insurance</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">CapStar&#8217;s directors and executive officers will be entitled to certain ongoing indemnification and coverage for a period of six&#160;years following the effective time under directors&#8217; and officers&#8217; liability insurance policies from Old National. This indemnification and insurance coverage is further described in the section entitled &#8220;The Merger Agreement&#8201;&#8212;&#8201;Director and Officer Indemnification and Insurance.&#8221; </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">New Compensation Arrangements</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Any executive officers and directors who become officers, directors or employees or who otherwise are retained to provide services to Old National may enter into new individualized compensation arrangements and may participate in cash or equity incentive or other benefit plans maintained by Old National or any of its affiliates. As of the date of this proxy statement, no compensation arrangements between such persons and Old National and/or its affiliates have been established or discussed. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Quantification of Payments and Benefits to CapStar&#8217;s Named Executive Officers</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The table below sets forth the amount of payments and benefits that each of CapStar&#8217;s named executive officers would receive in connection with the merger, assuming that the merger were consummated and each such named executive officer experienced a termination without cause on December&#160;31, 2023 (which is the assumed date of the consummation of the merger solely for purposes of this disclosure). The calculations in the table below do not attempt to forecast any adjustments in compensation that may occur following the date of this proxy statement, including additional awards, grants or forfeitures that may occur prior to the effective time or any awards that, by their terms, vest irrespective of the merger prior to the effective time. As a result of the foregoing assumptions, which may or may not actually occur or be accurate on the relevant date, including the assumptions described in the footnotes to the table, the actual amounts, if any, to be received by a named executive officer may materially differ from the amounts set forth below. </font>
        </div>
        <table style="width:456pt;height:86.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:241.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Cash ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Equity ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Perquisites/</font>&#8203;<br ><font style="letter-spacing:-0.16pt;">Benefits ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(4)</font></div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Total ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:italic;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:241.63pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Named Executive Officers</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.5pt 0pt; width:241.63pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt; text-align:justify;">
                <font style="letter-spacing:0.2pt;">Timothy K. Schools</font>
                <br >
                <font style="font-style:italic;letter-spacing:0.2pt;">President and Chief Executive Officer</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">4,625,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">683,604</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">25,000</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,333,604</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.5pt 0pt; width:241.63pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt; text-align:justify;">
                <font style="letter-spacing:0.2pt;">Michael J. Fowler</font>
                <br >
                <font style="font-style:italic;letter-spacing:0.2pt;">Chief Financial Officer</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">731,122</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">143,356</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">25,000</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">899,478</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">48</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:83.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:241.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Cash ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Equity ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Perquisites/</font>&#8203;<br ><font style="letter-spacing:-0.16pt;">Benefits ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(4)</font></div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Total ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:241.63pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt; text-align:justify;">
                <font style="letter-spacing:0.2pt;">Christopher G. Tietz</font>
                <br >
                <font style="font-style:italic;letter-spacing:0.2pt;">Chief Credit Policy Officer and Executive Vice President of Specialty Banking</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,054,215</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">164,216</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">25,000</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,243,431</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:241.63pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt; text-align:justify;">
                <font style="letter-spacing:0.2pt;">Kenneth E. Webb</font>
                <br >
                <font style="font-style:italic;letter-spacing:0.2pt;">Interim Chief Operations and Technology Officer</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">672,473</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">20,255</td>
            <td style="padding:0pt;padding-left:3.885pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">25,000</td>
            <td style="padding:0pt;padding-left:8.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">717,728</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:12.2pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:7.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:7.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">John A. Davis, Denis J. Duncan and Jennie O&#8217;Bryan were also identified as named executive officers in CapStar&#8217;s definitive proxy statement for its 2023 annual meeting of shareholders; however, such individuals are no longer employed by CapStar and do not have any unvested equity awards as of the date hereof or other interests in connection with the merger that are different from those of shareholders generally. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:3.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The cash amounts payable to the named executive officers under the Change in Control Continuity Agreements consist of the following components: </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(a)</font>
          <br >
        </div>
        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a prorated annual bonus for the year of termination based on the greater of the executive&#8217;s target opportunity and the average annual bonus paid to the executive in the preceding three&#160;years (target bonus is assumed for purposes of this table); </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(b)</font>
          <br >
        </div>
        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a lump sum cash payment equal to the product of a severance multiple (3x for Mr.&#160;Schools, 1.5x for Messrs. Fowler and Webb and 2x for Mr.&#160;Tietz), multiplied by the sum of the executive&#8217;s annual base salary and annual bonus based on the greater of the executive&#8217;s target opportunity and the average annual bonus paid to the executive in the preceding three&#160;years), paid in a lump-sum on the 60th day following termination, payable within 30&#160;days following the date of termination; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(c)</font>
          <br >
        </div>
        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">in the case of Mr.&#160;Schools, the post-termination medical payment, which is intended to enable him to obtain medical insurance following his termination of employment, and in the case of the other executive officers, an amount in cash equal to the product of (i)&#160;the sum of (x)&#160;125% of the monthly premiums for coverage under CapStar&#8217;s health care plans for purposes of continuation coverage under Section&#160;4980B of the Internal Revenue Code with respect to the maximum level of coverage in effect for the executive and his or her dependents as of immediately prior to the date of termination, and (y)&#160;125% of the monthly premium for coverage (based on the rate paid by CapStar for active employees) under the life insurance plans of CapStar, in each case, based on the plans and at the levels of participation in which the executive participates as of immediately prior to the date of termination, multiplied by (ii)&#160;18 for Messrs. Fowler and Webb and 24 for Mr.&#160;Tietz; and </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(d)</font>
          <br >
        </div>
        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">in the case of Mr.&#160;Schools&#8217; Change in Control Continuity Agreement provides for a pay to integrate award, which is contingent on his continued service through the closing of the merger. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:11.8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">All components of the cash amounts are &#8220;double-trigger&#8221; &#8203;(</font><font style="font-style:italic;letter-spacing:0.2pt;">i.e.</font><font style="letter-spacing:0.2pt;">, they are contingent upon a qualifying termination of employment in connection with the closing of the merger), other than Mr.&#160;Schools&#8217; pay to integrate award. The estimated amounts of each component of the cash payments are set forth in the table below. </font>
        </div>
        <table style="width:416pt;height:101.5pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:196.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Annual</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bonus ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Severance</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Payment ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Post-Termination</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Medical </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Payment ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pay to</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Integrate</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Award ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:196.32pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Named Executive Officers</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:196.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Timothy K. Schools </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">262,500</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,362,500</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,000,000</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,000,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:196.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Michael J. Fowler </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">110,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">577,500</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">43,622</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:196.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Christopher G. Tietz </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">126,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">882,000</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">46,215</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:196.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Kenneth E. Webb </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">97,768</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">513,282</td>
            <td style="padding:0pt;padding-left:0.0900000000000034pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">61,423</td>
            <td style="padding:0pt;padding-left:8.775pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:1.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:1.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">For a description of the treatment of equity awards held by the named executive officers in connection with the Merger, see &#8220;&#8212; Treatment of CapStar Equity Awards&#8221; above. Set forth below are the values of each type of unvested CapStar equity award held by the named executive officers that would become </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">49</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tRARF">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:20pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">vested immediately upon the consummation of the merger (&#8220;single-trigger&#8221;) or upon a termination of employment without cause within three&#160;years following the consummation of the merger (&#8220;double-trigger&#8221;), calculated based on the merger consideration of $15.11 per share (the average closing price of a share of CapStar common stock on the five days following the announcement of the merger) and taking into account any dividend equivalents. </font>
        </div>
        <table style="width:416pt;height:124pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:275.49pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Single-Trigger </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Double-Trigger </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:275.49pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Performance-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Stock Units </font>
                <br >
                <font style="letter-spacing:-0.16pt;">($) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Time-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Stock Units </font>
                <br >
                <font style="letter-spacing:-0.16pt;">($) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.99999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:275.49pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Named Executive Officers</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:275.49pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Timothy K. Schools </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">509,180</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">174,424</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:275.49pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Michael J. Fowler </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">106,782</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">36,574</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:275.49pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Christopher G. Tietz </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">122,328</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">41,888</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:275.49pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Kenneth E. Webb </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:16.15pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">20,255</td>
            <td style="padding:0pt;padding-left:9.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:1.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:1.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Under the Change in Control Continuity Agreements, CapStar shall provide each named executive officer with outplacement services of up to $25,000. Such benefits are &#8220;double-trigger&#8221; &#8203;(</font><font style="font-style:italic;letter-spacing:0.2pt;">i.e.</font><font style="letter-spacing:0.2pt;">, they are contingent upon a qualifying termination of employment in connection with the closing of the merger). </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:9.62pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Regulatory Approvals Required for the Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">To complete the merger, Old National and CapStar need to obtain approvals or consents from, or make filings with, applicable U.S. federal bank regulatory authorities and other regulatory authorities. Subject to the terms of the merger agreement, Old National and CapStar have agreed to cooperate with each other and use reasonable best efforts to promptly prepare and file all necessary applications, notices and other 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, regulatory agencies and governmental entities which are necessary or advisable to consummate the transactions contemplated by the merger agreement (including the 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. These required consents include approvals from the Federal Reserve Board and the OCC. </font>
        </div>
        <div style="text-indent:20pt; margin-top:7.71pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Under the terms of the merger agreement, Old National and CapStar will not be required to take actions or agree to conditions in connection with obtaining the foregoing permits, consents, approvals and authorizations of governmental entities that would reasonably be expected to have a material adverse effect on Old National and its subsidiaries, taken as a whole, after giving effect to the merger (measured on a scale relative to CapStar and its Subsidiaries, taken as a whole) (a &#8220;materially burdensome regulatory condition&#8221;). </font>
        </div>
        <div style="text-indent:20pt; margin-top:7.71pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The regulatory approval of an application means only that the regulatory criteria for approval have been satisfied or waived. It does not mean that the approving authority has determined that the consideration to be received by CapStar shareholders in the merger is fair. Regulatory approval does not constitute an endorsement or recommendation of the merger. </font>
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        <div style="text-indent:20pt; margin-top:7.71pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Old National and CapStar believe that the merger does not raise significant regulatory concerns and that they will be able to obtain all requisite regulatory approvals. However, there can be no assurance that all of the regulatory approvals described below will be obtained and, if obtained, there can be no assurances regarding the timing of the approvals, the companies&#8217; ability to obtain the approvals on satisfactory terms or the absence of litigation challenging such approvals. In addition, there can be no assurance that such approvals will not impose conditions or requirements that, individually or in the aggregate, would or could reasonably be expected to have a material adverse effect on the financial condition, results of operations, assets or business of Old National following the completion of the merger. There can likewise be no assurances that U.S. federal or state regulatory authorities will not attempt to challenge the merger or, if such a challenge is made, what the result of such challenge will be. </font>
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        <div style="margin-top:10.62pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Federal Reserve Board and the OCC</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger is subject to the approval of the Federal Reserve Board pursuant to section 3 of the BHC Act with respect to the merger and the bank merger is subject to the approval of the OCC pursuant to </font>
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          <font style="letter-spacing:0.2pt;">50</font>
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          <font style="letter-spacing:0.2pt;">section&#160;18(c) of the Federal Deposit Insurance Act (the &#8220;Bank Merger Act&#8221;) , 12 U.S.C &#167;&#160;1831u, and Section&#160;215a-1 of the National Bank Act (12 U.S.C. &#167;&#160;215a-1) to operate CapStar Bank&#8217;s branches as licensed branches of Old National Bank pursuant to the Bank Merger Act, Sections&#160;36(c) and 36(d) of the National Bank Act (12 U.S.C. &#167;&#167;&#160;36(c) and 36(d)), and 12 U.S.C. &#167;&#160;1831u(d); and to acquire the subsidiaries of CapStar Bank and operate them as operating subsidiaries of Old National Bank, pursuant to&#160;12 U.S.C.&#160;&#167;&#160;24, &#167;&#160;24a, all in accordance with 12 C.F.R. part 5. The Federal Reserve Board and the OCC take into consideration a number of factors when acting on applications under section 3 of the BHC Act and the Bank Merger Act, respectively. These factors include the effect of the merger on competitiveness in affected banking markets, the financial and managerial resources (including consideration of the capital adequacy, liquidity, and earnings performance, as well as the competence, experience and integrity of the officers, directors and principal shareholders, and the records of compliance with applicable laws and regulations) and future prospects of the combined company. The Federal Reserve Board and the OCC also consider the effectiveness of the applicant in combatting money laundering, the convenience and needs of the communities to be served, as well as the extent to which the proposal would result in greater or more concentrated risks to the stability of the U.S. banking or financial system. Neither the Federal Reserve Board nor the OCC may approve a proposal that would have significant adverse effects on competition or on the concentration of resources in any banking market. </font>
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          <font style="letter-spacing:0.2pt;">In considering an application under section 3 of the BHC Act, the Bank Merger Act and the National Bank Act, the Federal Reserve Board and the OCC each also reviews the records of performance of the relevant insured depository institutions under the Community Reinvestment Act (the &#8220;CRA&#8221;), pursuant to which the Federal Reserve Board and the OCC must also take into account the record of performance of each of Old National and CapStar in meeting the credit needs of the entire community, including low- and moderate-income neighborhoods, served by their depository institution subsidiaries. As part of the review process in merger transactions, the Federal Reserve Board and the OCC each frequently receive protests from community groups and others. In their most recent CRA performance evaluations, Old National Bank and CapStar Bank each received an overall &#8220;satisfactory&#8221; regulatory rating under the CRA. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The initial submission of the applications to the Federal Reserve Board and the OCC occurred on December&#160;22, 2023. Notice of the applications has been provided to the Tennessee Department of Financial Institutions and the North Carolina Office of the Commissioner of Banks. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Department of Justice</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In addition to the Federal Reserve Board and the OCC, the Antitrust Division of the Department of Justice (the &#8220;DOJ&#8221;) conducts a concurrent competitive review of the merger to analyze the merger&#8217;s competitive effects and determine whether the merger would result in a violation of the antitrust laws. Transactions approved under Section&#160;3 of the BHC Act or the Bank Merger Act generally may not be completed until thirty (30) days after the approval of the applicable federal agency is received, during which time the DOJ may challenge the transaction on antitrust grounds. With the approval of the applicable federal agency and the concurrence of the DOJ, the waiting period may be reduced to no less than fifteen&#160;(15)&#160;days. The commencement of an antitrust action would stay the effectiveness of such an approval unless a court specifically ordered otherwise. In reviewing the merger, the DOJ could analyze the merger&#8217; effect on competition differently than the Federal Reserve Board, and, thus, it is possible that the DOJ could reach a different conclusion than the Federal Reserve Board regarding the merger&#8217; effects on competition. A determination by the DOJ not to object to the merger may not prevent the filing of antitrust actions by private persons or state attorneys general. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Additional Regulatory Approvals and Notices</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Additional notifications and/or applications requesting approval may be submitted to various other federal, state and non-U.S. regulatory authorities and self-regulatory organizations. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Public Trading Markets</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Old National common stock is listed for trading on NASDAQ under the symbol &#8220;ONB,&#8221; and CapStar common stock is listed for trading on NASDAQ under the symbol &#8220;CSTR.&#8221; Following the merger, shares of Old National common stock will continue to be traded on NASDAQ. </font>
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          <font style="letter-spacing:0.2pt;">51</font>
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        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Under the Merger Agreement, Old National will cause the shares of Old National common stock to be issued in the merger and to be approved for listing on NASDAQ, subject to official notice of issuance, prior to the effective time of the merger and the merger agreement provides that neither Old National nor CapStar will be required to complete the merger if such shares are not authorized for listing on NASDAQ. In addition, following the merger, CapStar common stock will be delisted from the NASDAQ and deregistered under the Exchange Act. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Appraisal or Dissenters&#8217; Rights in the Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Pursuant to Tennessee law, holders of CapStar common stock will not be entitled to dissenters&#8217; or appraisal rights in the merger with respect to their shares of CapStar common stock.</font>
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          <font style="letter-spacing:0.2pt;">52</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tTMA">&#8203;</a><a name="tENRT">&#8203;</a><a name="tSOTM">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">THE MERGER AGREEMENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">This section of the proxy statement/prospectus describes the material terms of the merger agreement. The description in this section and elsewhere in this proxy statement/prospectus is subject to, and qualified in its entirety by reference to, the complete text of the merger agreement, which is attached as </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Annex A</font><font style="letter-spacing:0.2pt;"> to this document and incorporated by reference herein. This summary does not purport to be complete and may not contain all of the information about the merger agreement that is important to you. We urge you to read the full text of the merger agreement, as it is the legal document governing the merger. This section is not intended to provide you with any factual information about Old National or CapStar. Such information can be found elsewhere in this proxy statement/prospectus and in the public filings Old National and CapStar make with the SEC, as described in the section entitled &#8220;Where You Can Find More Information&#8221; beginning on page 84 of this proxy statement/prospectus.</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Explanatory Note Regarding the Merger Agreement</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement and this summary of terms are included to provide you with information regarding the terms of the merger agreement. Factual disclosures about Old National and CapStar contained in this proxy statement/prospectus or in the public reports of CapStar or Old National filed with the SEC may supplement, update or modify the factual disclosures about Old National and CapStar contained in the merger agreement. The merger agreement contains representations and warranties by CapStar, on the one hand, and by Old National, on the other hand, made solely for the benefit of the other. The representations, warranties and covenants made in the merger agreement by Old National and CapStar were qualified and subject to important limitations agreed to by Old National and CapStar in connection with negotiating the terms of the merger agreement. In particular, in your review of the representations and warranties contained in the merger agreement and described in this summary, it is important to bear in mind that the representations and warranties were negotiated with the principal purpose of establishing circumstances in which a party to the merger agreement may have the right not to consummate the merger if the representations and warranties of the other party prove to be untrue due to a change in circumstance or otherwise, and allocating risk between the parties to the merger agreement, rather than establishing matters as facts. The representations and warranties also may be subject to a contractual standard of materiality different from that generally applicable to shareholders and reports and documents filed with the SEC, and some were qualified by the matters contained in the confidential disclosure schedules that Old National and CapStar each delivered in connection with the merger agreement and certain documents filed with the SEC. Moreover, information concerning the subject matter of the representations and warranties, which do not purport to be accurate as of the date of this proxy statement/prospectus, may have changed since the date of the merger agreement. Accordingly, the representations and warranties in the merger agreement should not be relied on by any persons as characterizations of the actual state of facts about Old National and CapStar at the time they were made or otherwise. Please the section entitled &#8220;Where You Can Find More Information&#8221; beginning on page 84. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Structure of the Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Each of CapStar&#8217;s and Old National&#8217;s respective boards of directors has unanimously approved and adopted the merger agreement. The merger agreement provides for CapStar to merge with and into Old National, with Old National continuing as the surviving entity in the merger. Following the completion of the merger, or such later time as Old National may determine, CapStar Bank, a wholly owned subsidiary of CapStar, will merge with and into Old National Bank, a wholly owned subsidiary of Old National, with Old National Bank as the surviving bank in the bank merger. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Prior to the consummation of the merger, Old National and CapStar may, by mutual agreement, change the method or structure of effecting the combination of Old National and CapStar if and to the extent they both deem such change to be necessary, appropriate or desirable; provided, however that no such change may (i)&#160;alter or change the exchange ratio; (ii)&#160;adversely affect the tax treatment of CapStar&#8217;s shareholders or Old National&#8217;s shareholders pursuant to the merger agreement; (iii)&#160;adversely affect the tax treatment of CapStar or Old National pursuant to the merger agreement; or (iv)&#160;materially impede or delay the consummation of the transactions contemplated by the merger agreement in a timely manner. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">53</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tMECO">&#8203;</a><a name="tFRSH">&#8203;</a><a name="tGODO">&#8203;</a><a name="tTOCE">&#8203;</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">Merger Consideration</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Each share of CapStar common stock issued and outstanding immediately prior to the effective time, except for shares of CapStar common stock owned by CapStar as treasury stock or owned by CapStar or Old National (in each case, other than shares of CapStar common stock (i)&#160;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)&#160;held, directly or indirectly, by CapStar or Old National in respect of debts previously contracted), will be converted into the right to receive 1.155 shares of Old National common stock (the &#8220;exchange ratio&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If, prior to the effective time, the outstanding shares of CapStar common stock or Old National common stock are 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 is any extraordinary dividend or distribution, an appropriate and proportionate adjustment will be made to the merger consideration to give Old National shareholders and CapStar shareholders the same economic effect as contemplated by the merger agreement prior to such event; provided that this provision will not permit CapStar or Old National to take any action with respect to its respective securities that is prohibited by the terms of the merger agreement. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Fractional Shares</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Old National will not issue any fractional shares of Old National common stock in the merger. Instead, a former holder of CapStar common stock who otherwise would have received a fraction of a share of Old National common stock will receive an amount in cash rounded to the nearest cent. This cash amount will be determined by multiplying (i)&#160;the average of the closing-sale prices of Old National common stock on NASDAQ as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;"> for the consecutive period of five (5)&#160;full trading days ending on the date preceding the closing date of the merger by (ii)&#160;the fraction of a share (rounded to the nearest one-thousandth when expressed in decimal form) of Old National common stock which such holder would otherwise be entitled to receive. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Governing Documents</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">At the effective time, the amended and restated bylaws of Old National as in effect immediately prior to the effective time shall be the bylaws of the combined company until thereafter amended in accordance with applicable law. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Treatment of CapStar Equity Awards</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">At the effective time of the merger, (i)&#160;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)&#160;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 Old National and converted into a restricted stock award with respect to the number of shares of Old National 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)&#160;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 of the merger will be assumed by Old National and converted into a restricted stock unit award with respect to the number of shares of Old National common stock determined based on the exchange ratio; and (iv)&#160;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 of the merger, 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 </font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">54</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tCAET">&#8203;</a><a name="tEOS">&#8203;</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">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. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Closing and Effective Time of the Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger will become effective at such date and time specified in the articles of merger to be filed with the Secretary of State of the State of Tennessee and the articles of merger to be filed with the Secretary of State of the State of Indiana. The closing will occur remotely by electronic exchange of documents at&#160;8:00&#160;a.m., local time in Evansville, Indiana no later than three (3)&#160;business days after the satisfaction or waiver (subject to applicable law) of all of the conditions set forth in the merger agreement (other than those conditions that by their nature can only be satisfied at the closing of the merger, but subject to the satisfaction or waiver thereof), unless another date, time or place is agreed to in writing by Old National and CapStar. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Exchange of Shares</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:6pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Exchange Procedures</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">As promptly as practicable after the effective time of the merger, but in no event later than five (5)&#160;business days thereafter, Old National will cause the exchange agent to mail to each holder of record of one (1)&#160;or more old certificates (which, for purposes of this proxy statement/prospectus, shall be deemed to include certificates or book-entry account statements) representing shares of CapStar common stock immediately prior to the effective time, a letter of transmittal and instructions for use in effecting the surrender of such old certificate(s) in exchange for new certificates (which, for purposes of this proxy statement/</font>&#8203;<font style="letter-spacing:0.2pt;">prospectus, shall be deemed to include certificates or, at Old National&#8217;s option, evidence in book-entry form) representing the number of whole shares of Old National common stock and any cash in lieu of fractional shares, which shares of CapStar common stock represented by such old certificate(s) shall have been converted into the right to receive pursuant to the merger agreement, as well as any dividends or distributions to be paid pursuant to the merger agreement as described in &#8220;&#8212; Dividends and Distributions&#8221; below. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If an old certificate for CapStar common stock has been lost, stolen or destroyed, the exchange agent will issue the consideration in the merger upon receipt of (i)&#160;an affidavit of that fact by the claimant and (ii)&#160;if required by Old National, the posting of a bond by such claimant in an amount as Old National may determine is reasonably necessary as indemnity against any claim that may be made against it with respect to such old certificate. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">After the effective time, there will be no further transfers on the stock transfer books of CapStar of CapStar common stock that were issued and outstanding immediately prior to the effective time. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Withholding</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Each of Old National and the exchange agent will be entitled to deduct and withhold from any consideration otherwise payable pursuant to the merger agreement to any holder of CapStar common stock the amounts it is required to deduct and withhold under the Code or any provision of state, local, or foreign tax law. If any such amounts are withheld and paid over to the appropriate governmental authority, such amounts will be treated for all purposes of the merger agreement as having been paid to the holder from whom they were withheld. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Dividends and Distributions</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">No dividends or other distributions declared with respect to Old National common stock will be paid to the holder of any un-surrendered old certificate representing shares of CapStar common stock until the holder surrenders such old certificate in accordance with the merger agreement. After the surrender of an old certificate in accordance with the merger agreement, the record holder thereof will be entitled to receive any such dividends or other distributions, without any interest, which had previously become payable with respect to the whole shares of Old National common stock which the shares of CapStar common stock represented by such old certificate have been converted into the right to receive under the merger agreement. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">55</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tRAW">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Representations and Warranties</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement contains representations and warranties made by CapStar to Old National and Old National to CapStar relating to a number of matters, including the following: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">corporate matters, including due organization and qualification and subsidiaries; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">capitalization; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">authority relative to execution and delivery of the merger agreement and the absence of conflicts with, or violations of, organizational documents or other obligations as a result of the merger; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">required governmental and other regulatory and self-regulatory filings and consents and approvals in connection with the merger; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reports to regulatory authorities; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">financial statements, internal controls, books and records, and absence of undisclosed liabilities; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the absence of certain changes or events since December&#160;31, 2022; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">legal proceedings; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">tax matters; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">employee matters and employee benefit plan matters; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.81pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">compliance with applicable laws; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">absence of agreements with regulatory authorities; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">absence of action or circumstance that would prevent the merger from qualifying as a &#8220;reorganization&#8221; under Section&#160;368(a) of the Code. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement contains additional representations and warranties made by CapStar with respect to: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">broker&#8217;s fees payable in connection with the merger; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">certain material contracts; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.81pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">risk management instruments; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">environmental matters; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">investment securities and commodities; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">real property ownership and leases; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">intellectual property; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">related party transactions; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">inapplicability of takeover statutes; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">opinion of its financial advisor(s); </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">loan portfolio matters; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">insurance matters; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">information security; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the trust business of CapStar and its subsidiaries; and </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">mortgage banking activities. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The representations and warranties in the merger agreement are (i)&#160;subject, in some cases, to specified exceptions and qualifications contained in the confidential disclosure schedules delivered by Old National and CapStar, respectively, and (ii)&#160;qualified by the reports of Old National or CapStar, as applicable, filed with the SEC during the period from January&#160;1, 2021 through the time prior to the execution and delivery of </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">56</font>
          <br >
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">the merger agreement (excluding, in each case, any risk factor disclosures in the risk factor section or any &#8220;forward-looking statements&#8221; disclaimer or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In addition, certain representations and warranties of Old National and CapStar are qualified as to &#8220;materiality&#8221; or &#8220;material adverse effect.&#8221; For purposes of the merger agreement, a &#8220;material adverse effect,&#8221; when used in reference to either Old National and CapStar or Old National as the surviving entity in the merger, means 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)&#160;the business, assets, results of operations or financial condition of such party and its subsidiaries taken as a whole or (ii)&#160;the ability of such party to timely consummate the transactions contemplated by the merger agreement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">However, a material adverse effect described in clause (i)&#160;above will not be deemed to include the impact of: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.2pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">changes, after the date of the merger agreement, in GAAP or applicable regulatory accounting requirements or interpretations by courts or governmental entities; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">changes, after the date of the merger agreement, in laws, rules or regulations general applicability to companies in the industries in which such party and its subsidiaries operate, or interpretations thereof by courts or governmental entities; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.99pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">changes, after the date of the merger agreement, 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; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.99pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">changes after the date of the merger agreement 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 agency in response thereto); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.99pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">public disclosure of the execution of the merger agreement or public disclosure of the consummation of the transactions contemplated by the merger agreement (including any effect on a party&#8217;s relationships with its customers or employees) (however, the foregoing will not apply for purposes of certain representations and warranties relating to (i)&#160;the absence of conflicts with, or violations of, organizational documents or other obligations as a result of the merger, (ii)&#160;required governmental and other regulatory and self-regulatory filings and consents and approvals in connection with the merger or the bank merger and (iii)&#160;employee benefit plans) or actions expressly required by the merger agreement or that are taken with the prior written consent of the other party in contemplation of the transactions contemplated by the merger agreement; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">a decline in the trading price of a party&#8217;s common stock or the failure, in and of itself, to meet earnings projections or internal financial forecasts (provided that the underlying causes of such decline or failure may be taken into account in determining whether a material adverse effect has occurred); or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the expenses incurred by a party in negotiating, documenting, effecting o consummating the transactions contemplated by the merger agreement; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">except, with respect to the first, second, third and fourth bullets described above, 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. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The representations and warranties in the merger agreement do not survive the effective time of the merger. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">57</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tCAA">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Covenants and Agreements</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:6pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Conduct of Businesses Prior to the Consummation of the Merger</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Prior to the effective time (or earlier termination of the merger agreement), except as expressly contemplated or permitted by the merger agreement, required by law or as consented to in writing by the other party (such consent not to be unreasonably withheld, conditioned or delayed), and subject to certain specified exceptions, each of Old National and CapStar will, and will cause its subsidiaries to (a)&#160;use commercially reasonable efforts to conduct their 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)&#160;take no action that would reasonably be expected to adversely affect or materially delay the ability of either CapStar or Old National to obtain any necessary approvals of any regulatory agency or other governmental entity required for the transactions contemplated by the merger agreement or to consummate the transactions contemplated thereby on a timely basis. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Additionally, CapStar has undertaken further covenants. Prior to the effective time (or earlier termination of the merger agreement), subject to specified exceptions, CapStar may not, and CapStar may not permit any of its subsidiaries to, without the prior written consent of Old National (such consent not to be unreasonably withheld, conditioned or delayed), undertake the following: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">incur any indebtedness for borrowed money (other than indebtedness of CapStar or any of its wholly owned subsidiaries to CapStar 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 (the 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 are not prohibited by this covenant); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">adjust, split, combine or reclassify any capital stock; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">make, declare, pay or set a record date for any dividend, or make any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any shares of its capital stock or other equity or voting securities 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, in each case, (i)&#160;dividends paid by any of CapStar&#8217;s subsidiaries to CapStar or any of its wholly owned subsidiaries, (ii)&#160;regular quarterly cash dividends by CapStar at a rate not in excess of $0.11 per share of CapStar common stock and corresponding dividends or dividend equivalents in respect of CapStar equity awards, or (iii)&#160;the acceptance of shares of CapStar common stock as payment for the exercise price or withholding taxes incurred in connection with the exercise of stock options or the vesting or settlement of equity compensation awards; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">grant any stock options, stock appreciation rights, performance shares, restricted stock&#160;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; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">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 CapStar equity awards in accordance with their terms; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">sell, transfer, mortgage, encumber or otherwise dispose of any of its material properties or assets to any business or to any individual, corporation or other entity other than a wholly owned subsidiary, or cancel, release or assign any indebtedness to any such person or any claims held by any such person, in each case other than in the ordinary course of business, or pursuant to contracts or agreements in force at the date of the merger agreement; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">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 </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">58</font>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:30pt; width:426pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">capital, property transfers, or purchase of any property or assets of any person other than a wholly owned subsidiary of CapStar; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.11pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.11pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">except in the ordinary course of business (i)&#160;terminate, materially amend, or waive any material provision of, certain material agreements identified in the merger agreement; 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 CapStar, or (ii)&#160;enter into any contract that would constitute a material agreement if it were in effect on the date of the merger agreement; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.11pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.11pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">except as contemplated by the terms of any CapStar benefit plan existing as of the date of the merger agreement, (i)&#160;enter into, establish, adopt, amend or terminate any CapStar benefit plan, or any arrangement that would be a CapStar benefit plan if in effect on the date of the merger agreement, other than in the ordinary course of business with respect to employees other than the executive officers of CapStar, (ii)&#160;increase the compensation, severance or benefits payable to any CapStar executive officer, other than increases in base salary or wage rate in the ordinary course of business consistent with past practice up to a defined&#160;percentage, (iii)&#160;accelerate the vesting of any equity-based awards or other compensation, (iv)&#160;fund any rabbi trust or similar arrangement, (v)&#160;terminate the employment or services of any CapStar executive officer, other than for cause, or (vi)&#160;hire any new executive officer, other than as a replacement hire receiving substantially similar terms of employment; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">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 CapStar or Old National 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, Old National and its subsidiaries; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">take any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent the merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">amend its charter or bylaws or comparable governing document of its subsidiaries; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.01pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">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>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">implement or adopt any change in its accounting principles, practices or methods, other than as required by GAAP; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.01pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">other than in prior consultation with Old National, 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>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.01pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">take any action that is intended or expected to result in the conditions to the merger from being satisfied; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.01pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">implement or adopt any change in its accounting principles, practices or methods, other than as required by GAAP or by applicable laws, regulations, guidelines or policies imposed by any governmental entity; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">enter into any 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 CapStar Bank&#8217;s credit policy or any change in the maximum ratio or similar limits as a&#160;percentage of its capital applicable with respect to its loan portfolio or any segment thereof), except as required by applicable law, regulation or policies imposed by any governmental entity; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.01pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:5.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">make, or commit to make, any capital expenditures (other than included in CapStar&#8217;s capital budget which has been made available to Old National) in excess of $100,000 individually or $250,000 in the aggregate; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">59</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">other than in consultation with Old National, 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>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.81pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">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 foregoing; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">other than in consultation with Old National, undertake any response, action, or customer or public communication with regard to (i)&#160;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 CapStar&#8217;s or its subsidiaries&#8217; customers, or (ii)&#160;any ransomware event; or </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">other than in consultation with Old National schedule, conduct, or participate in any earnings calls or analyst meetings. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Additionally, Old National has undertaken further covenants. Prior to the effective time (or earlier termination of the merger agreement), subject to specified exceptions, Old National may not, and Old National may not permit any of its subsidiaries to, without the prior written consent of CapStar (such consent not to be unreasonably withheld, conditioned or delayed), undertake the following: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">amend its charter or bylaws in a manner that would materially and adversely affect the holders of CapStar common stock, or adversely affect the holders of holders of CapStar common stock relative to other holders of Old National common stock; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">(i) adjust, split, combine or reclassify any capital stock of Old National, or (ii)&#160;make, declare or pay any extraordinary dividend, or make any other extraordinary distribution on, any shares of Old National common stock; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">merge or consolidate itself or any of its subsidiaries that are &#8220;significant subsidiaries&#8221; within the meaning of Rule&#160;1-02 of Regulation&#160;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>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">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>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">take any action that is intended or expected to result in the conditions to the merger from being satisfied; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">take any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent the merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code; or </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">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 foregoing. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Regulatory Matters</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Old National and CapStar have agreed to cooperate with each other and use their respective reasonable best efforts to prepare and file all necessary documentation, to effect all applications, notices, petitions and filings, to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties, and governmental entities which are necessary or advisable to consummate the transactions contemplated by the merger agreement, and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such governmental entities. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Each of Old National and CapStar has agreed to use its reasonable best efforts to resolve any objection that may be asserted by any governmental entity with respect to the merger agreement or the transaction contemplated thereby. However, in no event will CapStar or Old National, or any of their respective subsidiaries be required, and neither CapStar or Old National, nor any of their respective subsidiaries be </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">60</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">permitted (without the written consent of the other party), to take any action, or commit to take any action, or agree to any condition or restriction, in connection with obtaining the required permits, consents, approvals and authorizations of governmental entities that would reasonably be expected to have a material adverse effect on Old National and its subsidiaries, taken as a whole, after giving effect to the merger (measured on a scale relative to CapStar and its subsidiaries, taken as a whole). </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Old National and CapStar have also agreed to furnish each other with all information reasonably necessary or advisable in connection with this proxy statement/prospectus and any statement, filing, notice or application to any governmental entity in connection with the merger and the other transactions contemplated by the merger agreement, as well as to keep each other apprised of the status of matters related to the consummation of the transactions contemplated by the merger agreement. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Employee Matters</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement provides that, Old National will provide to CapStar continuing officers and employees for as long as they are employed during the period commencing on the effective time and for at least one year following the effective time, (i)&#160;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 CapStar or its subsidiaries to such continuing employee immediately prior to the effective time, and (ii)&#160;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 Old National to similarly situated officers and employees. Old National has also agreed that it, or one of its subsidiaries, will provide to each continuing employees of CapStar whose employment terminates during the one (1)-year period following the closing of the merger with severance benefits pursuant to Old National&#8217;s existing severance pay plan that are no less favorable than those offered to similarly situated employees of Old National. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Unless otherwise agreed to by Old National and CapStar, on or prior to the effective time, CapStar and its subsidiaries will, subject to the closing of the merger, 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)&#160;the target opportunity and (ii)&#160;actual performance with respect to pro&#160;rata performance metrics. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement also provides that, with respect to any employee benefit plans of Old National or its subsidiaries in which any continuing employees become eligible to participate on or after the effective time (the &#8220;new plans&#8221;), Old National and its subsidiaries will, (i)&#160;use commercially reasonable efforts to waive all pre-existing conditions, exclusions or waiting periods with respect to participation and coverage requirements applicable to such continuing employees and their eligible dependents under any new plans, except to the extent such pre-existing conditions, exclusions or waiting periods would apply under an analogous CapStar benefit plan, (ii)&#160;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 CapStar benefit plan, to the same extent that such credit was given under the analogous CapStar benefit plan prior to the effective time, in satisfying any applicable deductible, co-payment or out-of-pocket requirements under any new plan, and (iii)&#160;recognize all service of such employees with CapStar and its subsidiaries for all purposes in any new plan to the same extent such service was taken into account under the analogous CapStar benefit plan prior to the effective time. The foregoing service recognition do not apply to the extent it would result in duplication of benefits for the same period of services. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If requested by Old National in writing at least twenty (20) business days prior to the effective time, CapStar will cause the CapStar 401(k) plan to be terminated effective as of the day immediately prior to the effective time and contingent upon the occurrence of the closing. If Old National requests that CapStar&#8217;s&#160;401(k) plan be terminated, (i)&#160;CapStar will provide Old National with evidence that such plan has been terminated not later than two (2)&#160;business days immediately preceding the effective time, and (ii)&#160;any continuing employees will be eligible to participate, effective as of the effective time, in a 401(k) plan sponsored or maintained by Old National or one of its subsidiaries. Old National and CapStar will take any and all actions as may be required, including amendments to the CapStar 401(k) plan and/or the Old National 401(k) plan, to permit the continuing employees to make rollover contributions to the Old National 401(k) plan of &#8220;eligible rollover distributions&#8221; &#8203;(within the meaning of Section&#160;401(a)(31) of the Code) from the CapStar&#160;401(k) plan in the form of cash, notes (in the case of loans), or a combination thereof. Prior to the </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">61</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">effective time, the CapStar and its subsidiaries may make an employer contribution (at a level determined in the ordinary course of business consistent with past practice) to any CapStar 401(k) plan for the year in which the effective time occurs or any prior year. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Nothing in the merger agreement will confer upon any employee, director or consultant of CapStar or any of its subsidiaries or affiliates any right to continue in the employ or service of CapStar, Old National or any subsidiary or affiliate thereof, or will interfere with or restrict in any way the rights of CapStar, Old National or any subsidiary or affiliate thereof to discharge or terminate the services of any employee (including any continuing employee), director or consultant of CapStar or Old National or any of their subsidiaries or affiliates at any time for any reason whatsoever, with or without cause. Nothing in the merger agreement will be deemed to (i)&#160;establish, amend, or modify any CapStar benefit plan, Old National benefit plan, new plan or any other benefit or employment plan, program, agreement or arrangement, or (ii)&#160;alter or limit the ability of Old National or any of its subsidiaries or affiliates to amend, modify or terminate any particular CapStar benefit plan, Old National benefit plan, new plan or any other benefit or employment plan, program, agreement or arrangement after the effective time. Without limiting the generality of the terms of the merger agreement, nothing in the merger agreement, express or implied, is intended to or will confer upon any person, including any current or former employee, director or consultant of CapStar, or any of its subsidiaries or affiliates, any right, benefit or remedy of any nature whatsoever under or by reason of the merger agreement. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Director and Officer Indemnification and Insurance</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement provides that from and after the effective time, Old National will indemnify and hold harmless, to the fullest extent permitted by applicable law, all present and former directors or officers of CapStar and its subsidiaries (in their capacity as such) against any costs, expenses (including reasonable attorneys&#8217; fees) and liabilities, whether arising before or after the effective time, based on or arising out of the fact that such person is or was a director or officer of CapStar or its subsidiaries, and pertaining to matters existing or occurring at or prior to the effective time, and will also advance expenses to such persons to the fullest extent permitted by applicable law, provided that such person provides an undertaking to repay such advances if it is ultimately determined that such person is not entitled to indemnification. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement requires Old National, as the surviving entity in the merger, to maintain for a period of six (6)&#160;years after the effective time, CapStar&#8217;s existing directors&#8217; and officers&#8217; liability insurance policy, or policies with a substantially comparable insurer of at least the same coverage and amounts and containing terms and conditions that are no less advantageous to the insured, with respect to claims against the present and former officers and directors of CapStar or any of its subsidiaries arising from facts or events that occurred at or prior to the consummation of the merger. However, Old National is not required to spend annually more than three hundred&#160;percent (300%) of the current annual premium paid as of the date of the merger agreement by CapStar for such insurance (the &#8220;premium cap&#8221;), and if such premiums for such insurance would at any time exceed that amount, then Old National will maintain policies of insurance which provide the maximum coverage available at an annual premium equal to the premium cap. In lieu of the foregoing, CapStar, in consultation with Old National, may obtain at or prior to the effective time a six (6)-year &#8220;tail&#8221; policy under CapStar&#8217;s existing directors and officers insurance policy providing equivalent coverage to that described in the preceding sentence if such a policy can be obtained for an amount that, in the aggregate, does not exceed the premium cap. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Certain Additional Covenants</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement also contains additional covenants, including, among others, covenants relating to the filing of this proxy statement/prospectus, obtaining required consents, the listing of the shares of Old National common stock be issued in the merger, access to information of the other company, advice of changes, exemption from takeover restrictions, shareholder litigation relating to the transactions contemplated by the merger agreement, the coordination of dividend declarations, the assumption by Old National of CapStar&#8217;s indebtedness, and public announcements with respect to the transactions contemplated by the merger agreement. CapStar is required to inform Old National prior to making, renewing or otherwise modifying certain types of loans above specified amounts as set forth in the merger agreement. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">62</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tANTS">&#8203;</a><a name="tCTCT">&#8203;</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
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          <font style="letter-spacing:-0.2pt;">Agreement Not to Solicit Other Offers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">CapStar has agreed that it will, and will cause each of its subsidiaries and representatives to, immediately cease, and cause to be terminated, any activities, discussions or negotiations conducted before the date of the merger agreement with any person other than Old National with respect to any acquisition proposal. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">CapStar has agreed that it will not, and will cause each of its subsidiaries and use its reasonable best efforts to cause its and their respective officers, directors, agents, advisors and representatives not to, directly or indirectly, (i)&#160;initiate, solicit, knowingly encourage or knowingly facilitate any inquiries or proposals with respect to any acquisition proposal, (ii)&#160;engage or participate in any negotiations concerning any acquisition proposal, or (iii)&#160;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 CapStar, is making any inquiries with respect to, or is considering making, an acquisition proposal, of the existence of the restrictions regarding acquisition proposals in the merger agreement. However, prior to the approval of the merger agreement by the CapStar shareholders, if CapStar receives an acquisition proposal that was not the result of a willful or material breach of the restrictions on acquisition proposals set forth above, CapStar may, and may permit its subsidiaries and its and its subsidiaries&#8217; representatives to, furnish or cause to be furnished nonpublic information or data and participate in such negotiations or discussions if the CapStar 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; provided, further, that, prior to providing any nonpublic information, CapStar enters into a confidentiality agreement with such third party making such acquisition proposals on terms no less favorable to it than the confidentiality agreement between CapStar and Old National, and which confidentiality agreement cannot provide such person with any exclusive right to negotiate with CapStar. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of the merger agreement, an &#8220;acquisition proposal&#8221; means other than the transactions contemplated by the merger agreement, any offer, proposal or inquiry relating to, or any third party indication of interest in, (i)&#160;any acquisition or purchase, direct or indirect, of twenty-five&#160;percent (25%) or more of the consolidated assets of CapStar and its subsidiaries or twenty-five&#160;percent (25%) or more of any class of equity or voting securities of a party or its subsidiaries whose assets, individually or in the aggregate, constitute twenty-five&#160;percent (25%) or more of the consolidated assets of CapStar, (ii)&#160;any tender offer (including a self-tender offer) or exchange offer that, if consummated, would result in such third party beneficially owning twenty-five&#160;percent (25%) or more of any class of equity or voting securities of CapStar or its subsidiaries whose assets, individually or in the aggregate, constitute twenty-five&#160;percent (25%) or more of the consolidated assets of CapStar, or (iii)&#160;a merger, consolidation, share exchange, business combination, reorganization, recapitalization, liquidation, dissolution or other similar transaction involving CapStar or its subsidiaries whose assets, individually or in the aggregate, constitute twenty-five&#160;percent&#160;(25%) or more of the consolidated assets of CapStar. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">CapStar has agreed to promptly advise Old National following receipt of any acquisition proposal or any inquiry which could reasonably be expected to lead to an acquisition proposal, and the substance thereof (including the terms and conditions of and the identity of the person making such inquiry or acquisition proposal) and keep Old National 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. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Conditions to Complete the Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Old National&#8217;s and CapStar&#8217;s respective obligations to complete the merger are subject to the satisfaction or, where legally permissible, waiver, at or prior to the effective time, of the following conditions: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">the requisite CapStar shareholder vote having been obtained; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the admission for listing on NASDAQ, subject to official notice of issuance, of the Old National common stock to be issued in the merger; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">all requisite regulatory approvals having been obtained and remaining in full force and effect, and all statutory waiting periods in respect thereof having expired or been terminated, without the imposition of any materially burdensome regulatory condition; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">63</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tTOTM1">&#8203;</a>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">the effectiveness of the registration statement of which this proxy statement/prospectus is a part, and the absence of any stop order (or proceedings for such purpose initiated or threatened and not withdrawn); </font>
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          <font style="letter-spacing:0.2pt;">no order, injunction or decree by any court or governmental entity of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the merger, the bank merger or any of the other transactions contemplated by the merger agreement being in effect, and no statute, rule, regulation, order, injunction or decree having been enacted, entered, promulgated or enforced by any governmental entity which prohibits or makes illegal the consummation of the merger, the bank merger or any of the other transactions contemplated by the merger agreement; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">the accuracy of the representations and warranties of the other party contained in the merger agreement as of the date on which the merger agreement was entered into and as of the date on which the merger is completed, subject to the materiality standards provided in the merger agreement (and the receipt by each party of an officers&#8217; certificate from the other party to such effect); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">the performance by the other party in all material respects of all obligations, covenants and agreements required to be performed by it under the merger agreement at or prior to the date on which the merger is completed (and the receipt by each party of an officers&#8217; certificate from the other party to such effect); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
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          <font style="letter-spacing:0.2pt;">receipt by each party of an opinion of legal counsel 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 &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">since the date of the merger agreement, no material adverse effect with respect to the other party having occurred; and </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.11pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
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          <font style="letter-spacing:0.2pt;">solely with respect to Old National&#8217;s obligation to close, CapStar&#8217;s adjusted tangible shareholder&#8217;s equity as of the month-end prior to five business days before the closing date being equal to or exceeding $282&#160;million. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Neither CapStar nor Old National can provide assurance as to when or if all of the conditions to the merger can or will be satisfied or waived by the appropriate party. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Termination of the Merger Agreement</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement can be terminated at any time prior to the consummation of the merger, whether before or after the receipt of the requisite Old National vote or the requisite CapStar vote, in the following circumstances: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by mutual written consent of Old National and CapStar; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.11pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.11pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by either Old National or CapStar if any governmental entity that must grant a requisite regulatory approval has denied approval of the merger or the bank merger and such denial has become final and nonappealable or any governmental entity of competent jurisdiction has issued a final and nonappealable order, injunction, decree or other legal restraint or prohibition permanently enjoining or otherwise prohibiting or making illegal the merger or the bank merger, unless the failure to obtain a requisite regulatory approval is due to the failure of the party seeking to terminate the merger agreement to perform or observe its obligations, covenants and agreements under the merger agreement; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.11pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.11pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by either Old National or CapStar if the merger has not been completed on or before the twelve (12)&#160;month anniversary of the date of the merger agreement (the &#8220;termination date&#8221;), unless the failure of the merger to be completed by such date is due to the failure of the party seeking to terminate the merger agreement to perform or observe its obligations, covenants and agreements under the merger agreement; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.11pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by either Old National or CapStar if requisite approval of CapStar&#8217;s shareholders is not obtained at the special meeting of shareholders convened therefor, or any adjournment or postponement thereof; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.01pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by either Old National or CapStar (provided that the terminating party is not then in material breach of any representation, warranty, obligation, covenant or other agreement contained in the </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">64</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tEOT">&#8203;</a><a name="tTEFE">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:30pt; width:426pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">merger agreement) if there is a breach of any of the obligations, covenants or agreements or any of the representations or warranties (or any such representation or warranty ceases to be true) set forth in the merger agreement on the part of CapStar, in the case of a termination by Old National, or Old National, in the case of a termination by CapStar, which either individually or in the aggregate would constitute, if occurring or continuing on the date the merger is completed, the failure of a closing condition of the terminating party and which is not cured within forty-five (45) days following written notice to the party committing such breach, 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>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by Old National prior to such time as the requisite CapStar vote is obtained, if (i)&#160;the CapStar board of directors shall have (A)&#160;failed to recommend in the proxy statement/prospectus that the shareholders of CapStar approve the merger agreement, or withdrawn, modified or qualified such recommendation in a manner adverse to Old National, or publicly disclosed that it intends to do so, or failed to recommend against acceptance of a tender offer or exchange offer constituting a competing acquisition proposal that has been publicly disclosed within ten (10) business days after the commencement of such tender or exchange offer or (B)&#160;recommended or endorsed a competing acquisition proposal or publicly disclosed its intention to do so, or failed to issue a press release announcing its unqualified opposition to such competing acquisition proposal within ten (10) business days after a competing acquisition proposal is publicly announced or (ii)&#160;CapStar or the CapStar board of directors has willfully and materially breached its obligations relating to shareholder approval or the non-solicitation of acquisition proposals. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Neither Old National nor CapStar is permitted to terminate the merger agreement as a result of any increase or decrease in the market price of Old National common stock or CapStar common stock. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Effect of Termination</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If the merger agreement is terminated, it will become void and have no effect, except that (i)&#160;none of CapStar or Old National will 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 the merger agreement and (ii)&#160;designated provisions of the merger agreement will survive the termination, including those relating to payment of fees and expenses, the confidential treatment of information and the termination fee described below. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Termination Fee</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">CapStar will pay Old National a termination fee equal to $11,250,000 in cash (the &#8220;termination fee&#8221;) if the merger agreement is terminated in the following circumstances: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">in the event that after the date of the merger agreement, a bona fide acquisition proposal has been made known to senior management or the board of directors of CapStar, or has been made directly to CapStar&#8217;s shareholders generally, or any person has publicly announced (and in each case, not withdrawn) an acquisition proposal with respect to CapStar, and thereafter (i)&#160;the merger agreement is terminated (A)&#160;by either Old National or CapStar because the merger has not been completed prior to the termination date (and CapStar has not obtained stockholder approval of the merger proposal) and all other conditions for CapStar to close the merger had been satisfied or were capable of being satisfied at a time prior to such termination, (B)&#160;by Old National or CapStar because the approval of the merger proposal by CapStar shareholders has not been obtained or (C)&#160;by Old National as a result of a willful breach of a representation, warranty, covenant or other agreement in the merger agreement by CapStar that would constitute the failure of a closing condition and that has not been cured during the permitted time period, or by its nature cannot be cured during such period, and (ii)&#160;prior to the date that is 12&#160;months after the date of such termination, CapStar enters into a definitive agreement for an acquisition proposal that is subsequently consummated or consummates a transaction with respect to an acquisition proposal; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">if the merger agreement is terminated by Old National because prior to receipt of the CapStar shareholders&#8217; adoption and approval of the merger agreement, (i)&#160;the CapStar board of directors has (A)&#160;failed to recommend in the proxy statement/prospectus that the shareholders of CapStar </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">65</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tEAF">&#8203;</a><a name="tAWAE">&#8203;</a><a name="tGOLA">&#8203;</a><a name="tSPPE">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-left:30pt; width:426pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">approve the merger agreement, or withdrawn, modified or qualified such recommendation in a manner adverse to Old National, or publicly disclosed that it intends to do so, or failed to recommend against acceptance of a tender offer or exchange offer constituting a competing acquisition proposal that has been publicly disclosed within ten (10) business days after the commencement of such tender or exchange offer or (B)&#160;recommended or endorsed a competing acquisition proposal or publicly disclosed its intention to do so, or failed to issue a press release announcing its unqualified opposition to such competing acquisition proposal within ten (10) business days after a competing acquisition proposal is publicly announced or (ii)&#160;CapStar or the CapStar board of directors has willfully and materially breached its obligations relating to shareholder approval or the non-solicitation of acquisition proposals. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The termination fee and any amounts payable by CapStar in connection therewith, constitute liquidated damages and not a penalty, and except in the case of actual and intentional fraud or willful and material breach, will be the sole monetary remedy of the other party in the event of a termination of the merger agreement under specified circumstances. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Expenses and Fees</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Except as otherwise provided in the merger agreement, all costs and expenses incurred in connection with the merger agreement and the transactions contemplated thereby will be paid by the party incurring such expense. The merger agreement provides that all filing and other fees paid to the SEC in connection with the merger and the other transactions contemplated by the merger agreement will be borne by Old National. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Amendment, Waiver, and Extension of the Merger Agreement</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Subject to compliance with applicable law, the merger agreement may be amended by the parties at any time before or after the receipt of the requisite CapStar vote, except that after the receipt of the requisite CapStar vote, there may not be, without further approval of Old National shareholders or CapStar stockholders, as applicable, any amendment to the merger agreement that requires such further approval of such shareholders under applicable law. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">At any time prior to the effective time, each of the parties may, to the extent legally allowed, (i)&#160;extend the time for the performance of any of the obligations or other acts of the other party, (ii)&#160;waive any inaccuracies in the representations and warranties of the other party contained in the merger agreement or in any document delivered by such other parties pursuant to the merger agreement, and (iii)&#160;waive compliance with any of the agreements or satisfaction of any conditions for its benefit contained in the merger agreement, except that after the receipt of the requisite CapStar vote, there may not be, without further approval of CapStar stockholders, any extension or waiver of the merger agreement or any portion thereof that requires such further approval of such shareholders under applicable law. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Governing Law</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The merger agreement is governed by and will be 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 will be governed by the laws of the State of Tennessee and the Indiana articles of merger will be governed by the laws of the State of Indiana. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Specific Performance</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National and CapStar will be entitled to specific performance of the terms of the merger agreement, including an injunction or injunctions to prevent breaches or threatened breaches of the merger agreement or to enforce specifically the performance of the terms and provisions of the merger agreement (including the parties&#8217; obligations to consummate the merger), in addition to any other remedy to which they are entitled at law or in equity. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">66</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tSVA">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:316pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">SHAREHOLDER VOTING AGREEMENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">The following describes certain material provisions of the shareholder voting agreements. This description of the shareholder voting agreements is subject to, and qualified in its entirety by reference to, the form of shareholder voting agreement, which is attached to this proxy statement/prospectus as </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Annex B</font><font style="letter-spacing:0.2pt;"> and is incorporated by reference into this proxy statement/prospectus. We urge you to read the form of shareholder voting agreement carefully and in its entirety.</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Concurrently with the execution of the merger agreement, on October&#160;26, 2023, Old National entered into shareholder voting agreements with an executive officer and each of the directors of CapStar, who are also CapStar shareholders, in their respective capacities as CapStar shareholders and not in their capacities as an officer or director, as the case may be. As of the record date for the CapStar annual meeting, these directors and the executive officer collectively and beneficially owned approximately [&#8199;&#8199;&#8199;&#8199;]% of the outstanding shares of CapStar common stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the shareholder voting agreements, each such shareholder agrees to, among other things, at any meeting or action of shareholders of CapStar called to vote upon the merger (a)&#160;vote his or her shares of CapStar common stock (or otherwise provide a proxy, consent or voting instruction or direction) in favor of the approval of the merger agreement and 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)&#160;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)&#160;not vote his or her shares of CapStar common stock in favor of, or otherwise support, an alternative 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. Each such shareholder also agrees not to transfer his or her shares prior to the time that the merger agreement is approved by CapStar shareholders without the prior written consent of Old National. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">67</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tACTR">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">ACCOUNTING TREATMENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The merger will be accounted for as an acquisition of CapStar by Old National under the acquisition method of accounting in accordance with GAAP for financial reporting and accounting purposes. After the merger, the results of operations of CapStar will be included in the consolidated financial statements of Old National. The merger consideration will be allocated based on the fair values of the assets acquired and the liabilities assumed. Any excess of merger consideration over fair value of the net tangible and identified intangible assets of Old National acquired will be recorded as goodwill. Any identified intangible asset may be amortized by charges to operations under GAAP.</font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">68</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tMUFI">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES OF THE MERGER</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The following is a general discussion of the material U.S.&#160;federal income tax consequences of the merger to U.S. holders (as defined below) of CapStar common stock that exchange their shares of CapStar common stock for shares of Old National common stock in the merger. The following discussion is based upon the Code, the U.S.&#160;Treasury regulations promulgated thereunder and judicial and administrative authorities, rulings and decisions, in each case as in effect as of the date of this proxy statement/prospectus. These authorities may change, possibly with retroactive effect, and any such change could affect the accuracy of the statements and conclusions set forth in this discussion. This discussion assumes that the merger will be consummated in accordance with the merger agreement as described in this proxy statement/</font>&#8203;<font style="letter-spacing:0.2pt;">prospectus. The following discussion applies only to U.S. holders of CapStar common stock who hold such shares as a capital asset within the meaning of Section&#160;1221 of the Code (generally, property held for investment). </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of this discussion, the term &#8220;U.S. holder&#8221; means a beneficial owner of CapStar common stock that is, for U.S. federal income tax purposes, (1)&#160;an individual citizen or resident of the United States, (2)&#160;a corporation, or entity treated as a corporation for U.S. federal income tax purposes, organized in or under the laws of the United States, any state thereof or the District of Columbia, (3)&#160;a trust if (a)&#160;a court within the United States is able to exercise primary supervision over the administration of the trust and one or more U.S. persons have the authority to control all substantial decisions of the trust or (b)&#160;such trust has a valid election in effect to be treated as a U.S. person for U.S. federal income tax purposes or (4)&#160;an estate, the income of which is subject to U.S. federal income taxation, regardless of its source. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Further, this discussion does not purport to consider all aspects of U.S. federal income taxation that might be relevant to U.S. holders in light of their particular circumstances and does not apply to holders subject to special treatment under the U.S. federal income tax laws (such as, for example, dealers or brokers in securities, commodities or foreign currencies; traders in securities that elect to apply a mark-to-market method of accounting; banks and certain other financial institutions; insurance companies; mutual funds; tax-exempt organizations; holders subject to the alternative minimum tax provisions of the Code; persons who are required to recognize income or gain with respect to the merger no later than such income or gain is required to be reported on an applicable financial statement under Section&#160;451(b) of the Code; partnerships, S corporations or other pass-through entities (or investors therein); regulated investment companies; real estate investment trusts; controlled foreign corporations; passive foreign investment companies; former citizens or residents of the United States; U.S. expatriates; U.S. holders whose functional currency is not the U.S. dollar; holders who hold shares of CapStar common stock as part of a hedge, straddle, constructive sale or conversion transaction or other integrated investment; holders who own CapStar common stock through retirement plans, individual retirement accounts, or other tax-deferred accounts; holders who acquired CapStar common stock pursuant to the exercise of employee stock options, through a tax qualified retirement plan or otherwise as compensation; or holders who actually or constructively own more than five percent (5%) of CapStar&#8217;s common stock). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Moreover, this discussion does not address any tax consequences arising under the unearned income Medicare contribution tax pursuant to the Health Care and Education Reconciliation Act of 2010, any withholding considerations under the Foreign Account Tax Compliance Act of 2010 (including the U.S. Treasury regulations issued thereunder and intergovernmental agreements entered into pursuant thereto or in connection therewith), nor does it address any tax consequences arising under the laws of any state, local or foreign jurisdiction, or under any U.S. federal laws other than those pertaining to the income tax. In addition, this discussion does not address any alternative minimum tax consequences of the merger. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If an entity or arrangement treated as a partnership for U.S. federal income tax purposes is a holder of CapStar common stock, the tax treatment of a partner in such partnership generally will depend on the status of the partner and the activities of the partnership. Any entity treated as a partnership for U.S. federal income tax purposes that is a holder of CapStar common stock, and any partners in such partnership, should consult their own tax advisors regarding the tax consequences of the merger to their specific circumstances. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">All holders of CapStar common stock should consult their own tax advisors regarding the specific tax consequences to them of the merger in light of their particular facts and circumstances, including the applicability and effect of the alternative minimum tax and any state, local, foreign and other tax laws and of changes in those laws.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">69</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:20pt; width:436pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">In General</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The obligations of CapStar and Old National to consummate the merger are conditioned on CapStar&#8217;s and Old National&#8217;s receipt of opinions from their tax counsel, Wachtell Lipton and Dykema Gossett, respectively, in each case, dated as of the closing date, to the effect that the merger shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. These opinions will be based on, among other things, certain representations and assumptions as to factual matters made by CapStar and Old National, as well as on certain covenants and undertakings by CapStar and Old National. If any of the representations, assumptions, covenants or undertakings upon which these opinions are based is incorrect, incomplete, inaccurate or violated, the validity of these opinions may be affected and the tax consequences of the merger could differ from those described in this proxy statement/prospectus. In addition, these opinions will be based on current law and cannot be relied on if current law changes with retroactive effect. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The opinions described above will not be binding on the Internal Revenue Service (&#8220;IRS&#8221;) or any court. Old National and CapStar have not sought and will not seek any ruling from the IRS regarding any matters relating to the merger, and as a result, there can be no assurance that the IRS will not assert, or that a court would not sustain, a position contrary to any of the conclusions set forth below. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Material U.S. Federal Income Tax Consequences of the Merger to U.S.&#160;Holders of CapStar Common Stock</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">On the basis that the merger qualifies as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code, the U.S. federal income tax consequences of the merger to U.S. holders of CapStar common stock generally will be as follows: </font>
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          <font style="letter-spacing:0.2pt;">a U.S. holder who receives solely shares of Old National common stock (or receives Old National common stock and cash solely in lieu of a fractional share) in exchange for shares of CapStar common stock generally will not recognize any gain or loss upon the merger, except with respect to the cash received in lieu of a fractional share of Old National common stock; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the aggregate tax basis of the Old National common stock received by a U.S. holder in the merger (including fractional share interests in Old National common stock deemed received and exchanged for cash) will be equal to such holder&#8217;s aggregate tax basis in the CapStar common stock surrendered in exchange for the Old National common stock; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.09pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.09pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a U.S. holder&#8217;s holding period for the shares of Old National common stock received in the merger (including any fractional shares deemed received and redeemed for cash as described below) will include the holding period of the shares of CapStar common stock surrendered in the merger. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A U.S. holder that acquired different blocks of shares of CapStar common stock at different times or at different prices should consult its tax advisors regarding the determination of its adjusted basis in, and its holding period of, shares of Old National common stock received in the merger.</font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A U.S. holder of CapStar common stock who receives cash in lieu of a fractional share of Old National common stock, generally will be treated as having received such fractional share of Old National common stock pursuant to the merger and then as having received cash in redemption of such fractional share. Any such holder generally will recognize gain or loss equal to the difference between the amount of cash received and the adjusted tax basis in the fractional share of Old National common stock (as set forth above). Such gain or loss generally will be capital gain or loss, and will be long-term capital gain or loss if, as of the effective date of the merger, the holding period for such fractional share (including the holding period of shares of CapStar common stock surrendered therefor) exceeds one year. Long-term capital gains of certain non-corporate U.S. holders of CapStar common stock, including individuals, are generally taxed at preferential rates. The deductibility of capital losses is subject to limitations. </font>
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        <div style="margin-left:20pt; margin-top:12pt; width:436pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Information Reporting and Backup Withholding</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Payments of cash made pursuant to the merger to a U.S. holder of CapStar common stock generally will be subject to information reporting and may be subject to U.S. federal backup withholding (currently, at a rate of 24%). </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">70</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:408pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">To prevent backup withholding, U.S. holders of CapStar common stock should provide the exchange agent with a properly completed IRS Form&#160;W-9. Backup withholding is not an additional tax. Any amount withheld under the backup withholding rules may be refunded or credited against a U.S.&#160;holder&#8217;s United States federal income tax liability if the required information is supplied to the IRS in a timely manner. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A U.S. holder of CapStar common stock, as a result of having received Old National common stock in connection with the merger, will be required to retain records pertaining to the merger. In addition, each U.S. holder of CapStar common stock who is a &#8220;significant holder&#8221; will be required to file a statement with such holder&#8217;s U.S. federal income tax return in accordance with Treasury Regulations&#160;Section&#160;1.368-3(b) setting forth certain information, including the parties to the merger, the date of the merger and such holder&#8217;s basis in the CapStar common stock surrendered. A &#8220;significant holder&#8221; is a holder of CapStar common stock who, immediately before the merger, owned at least 1% of the vote or value of the outstanding capital stock of CapStar or securities of CapStar with a basis for federal income tax purposes of at least $1&#160;million. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">This discussion of certain material U.S. federal income tax consequences is not intended to be, and should not be construed as, tax advice. All holders of CapStar common stock should consult their independent tax advisors with respect to the application of U.S. federal income tax laws to their particular situations as well as any tax consequences arising under the U.S. federal estate or gift tax rules, or under the laws of any state, local, foreign or other taxing jurisdiction or under any applicable tax treaty. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">71</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tDOON">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">DESCRIPTION OF OLD NATIONAL SECURITIES</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">As a result of the merger, CapStar shareholders who receive shares of Old National common stock in the merger will become shareholders of Old National. Your rights as a shareholder of Old National will be governed by the Indiana Business Corporation Law, the Old National amended and restated articles of incorporation and amended and restated bylaws. The following briefly summarizes the material terms of Old National common stock that will be issued in connection with the merger. We urge you to read the applicable provisions of the Indiana Business Corporation Law, the Old National amended and restated articles of incorporation and amended and restated bylaws, which are incorporated herein by reference and will be sent to shareholders of CapStar upon request. See &#8220;Where You Can Find More Information.&#8221;</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">We have summarized the material terms and provisions of our capital stock in this section. We have also filed our articles of incorporation and our bylaws, each as amended, as exhibits to the registration statement of which this proxy statement/prospectus is a part. You should read Old National&#8217;s articles of incorporation and bylaws for additional information before you buy our common stock or any securities which may be exercised or exchangeable for or converted into our common stock. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Common Stock</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Authorized Common Stock</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">As of December&#160;20, 2023, Old National&#8217;s authorized common stock, without par value, was 600,000,000 shares, of which 292,654,953 shares were issued and outstanding. Shares of Old National&#8217;s common stock, when issued against full payment of the purchase price, and shares of common stock issuable upon conversion, exchange or exercise of any of the other securities offered by this proxy statement/prospectus, will be validly issued, fully paid and non-assessable. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">General</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Voting Rights</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The holders of Old National common stock are entitled to one vote for each share of common stock held of record by them on all matters to be voted on by shareholders, except: </font>
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          <font style="letter-spacing:0.2pt;">(a)</font>
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        <div style=" margin-top:7.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">shares of common stock are not entitled to a vote if such shares are owned, directly or indirectly, by another corporation and we own, directly or indirectly, a majority of the shares entitled to vote for directors of such corporation; provided, however, such limitation on voting does not limit our power to vote shares of our common stock held by us in or for an employee benefit plan or in any other fiduciary capacity; or </font>
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          <font style="letter-spacing:0.2pt;">(b)</font>
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          <font style="letter-spacing:0.2pt;">to the extent shares are control shares acquired in a control share acquisition within the meaning of Chapter&#160;42 of the Indiana Business Corporation Law (the &#8220;IBCL&#8221;), which such shares have voting rights only to the extent granted by resolution approved by our shareholders in accordance with Section&#160;23-1-42-9 of the IBCL. </font>
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          <font style="letter-spacing:0.2pt;">The holders of Old National common stock are not entitled to cumulative voting rights. Under the IBCL, directors are elected by a plurality of the votes cast by shares entitled to vote in an election at a meeting at which a quorum is present. Old National bylaws provide that for all other shareholder votes, when a quorum is present at any meeting, the vote of a majority of the stock having voting power present in person or represented by proxy shall decide any question brought before such meeting, unless the question is one upon which, by express provision of the IBCL, the company&#8217;s articles of incorporation or our bylaws, a greater vote is required, in which case such express provision shall govern and control the decision of such question. </font>
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          <font style="letter-spacing:0.2pt;">Dividends</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Subject to the rights of any series of preferred stock authorized by the board of directors as provided by Old National&#8217;s articles of incorporation, the holders of Old National common stock are entitled to dividends as and when declared by the board out of funds legally available for the payment of dividends. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">72</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">Liquidation</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In the event of a liquidation or dissolution of Old National, subject to the rights of any outstanding series of preferred stock, the holders of common stock are entitled to share in all assets remaining for distribution to common shareholders according to their interests. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Other Rights</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Holders of Old National common stock have no preemptive or other subscription rights, and shares of common stock are not subject to any further calls or assessments by the company. There are no redemption or conversion rights or sinking fund provisions applicable to the shares of Old National common stock. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Listing</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National&#8217;s common stock is listed on NASDAQ under the symbol &#8220;ONB.&#8221; The company&#8217;s transfer agent for our its common stock is Continental Stock Transfer&#160;&amp; Trust Company. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Indiana Law and Certain Provisions of Our Articles of Incorporation; Anti-Takeover Measures</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Articles of Incorporation</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National&#8217;s articles of incorporation currently authorize the issuance of 600,000,000 shares of common stock and 2,000,000 shares of preferred stock. Within the limits of applicable law and the listing rules of NASDAQ, these shares are available to be issued, without prior shareholder approval, in classes with relative rights, privileges and preferences determined for each class by our board of directors. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The articles of incorporation also provide that certain business combinations may, under certain circumstances, require approval of more than a simple majority of the company&#8217;s issued and outstanding shares, and require a super-majority shareholder vote of not less than eighty&#160;percent (80%) of the outstanding shares of common stock for the amendment of certain significant provisions of our articles of incorporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Additionally, the articles of incorporation provide that the board of directors will consider non-financial factors that it deems relevant when evaluating a business combination. Any amendment of this provision requires a super-majority shareholder vote of not less than eighty&#160;percent (80%) of the outstanding shares of common stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Finally, the articles of incorporation provide that any person or group of persons who acquires 15% or more of our then outstanding common&#160;stock must pay an amount at least equal to the highest&#160;percent over market value paid for shares already held by such person or group when acquiring additional shares. Any amendment of this provision requires a super-majority shareholder vote of not less than eighty&#160;percent (80%) of the outstanding shares of common stock. </font>
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          <font style="letter-spacing:0.2pt;">These provisions in the articles of incorporation are designed to encourage potential acquirors to negotiate with our board of directors to preserve for shareholders our value in the event of a takeover attempt. These provisions reduce the likelihood that a potential acquiror who is unwilling to pay a market premium determined by the board to be sufficient will attempt to acquire shares of Old National common stock by means of an open market accumulation, front-end loaded tender offer or other coercive or unfair takeover tactic. These provisions in the articles of incorporation would ensure that the company, its shareholders and the other stakeholders would be protected from certain takeover attempts, or the acquisition of a substantial block of equity, on terms that may be less favorable generally than would be available in transactions negotiated with and approved by the board. </font>
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          <font style="letter-spacing:-0.2pt;">Indiana Law</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Chapters 42 and 43 of the IBCL may be deemed to have certain anti-takeover effects by prescribing, in the case of Chapter&#160;42, certain voting requirements in instances in which a person acquires shares of Old National in excess of certain thresholds or proscribing, in the case of Chapter&#160;43, certain transactions between Old National and an &#8220;interested stockholder&#8221; &#8203;(defined generally as a person beneficially owning 10% or </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">73</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">more of a corporation&#8217;s outstanding voting stock) during the five year period following the time such person became an interested stockholder. </font>
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          <font style="letter-spacing:0.2pt;">In addition, Chapter 35 of the IBCL provides that in taking or declining to take any action, or in making or declining to make any recommendation to the shareholders of the corporation with respect to any matter, a board of directors may, in its discretion, consider both the short term and long term best interests of the corporation, taking into account, and weighing as the directors deem appropriate, the effects thereof on the corporation&#8217;s shareholders and the other corporate constituent groups and interests, as well as any other factors deemed pertinent by the directors. As a result, by expanding the factors that may be considered relevant by the directors in assessing a takeover proposal, this provision could be deemed to have certain anti-takeover effects.</font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">74</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tCOSR">&#8203;</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">COMPARISON OF SHAREHOLDERS&#8217; RIGHTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">If the merger is completed, CapStar shareholders will receive shares of Old National common stock in the merger. Old National is organized under the laws of the State of Indiana, and CapStar is organized under the laws of the State of Tennessee. The following is a summary of the material differences between (1)&#160;the current rights of CapStar shareholders under the CapStar charter and amended and restated bylaws, and (2)&#160;the current rights of Old National shareholders under the Old National amended and restated articles of incorporation and amended and restated bylaws.</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">Old National and CapStar believe that this summary describes the material differences between the rights of Old National shareholders as of the date of this proxy statement/prospectus and the rights of CapStar shareholders as of the date of this proxy statement/prospectus; however, it does not purport to be a complete description of those differences. Copies of Old National&#8217;s and CapStar&#8217;s governing documents have been filed with the SEC. To find out where copies of these documents can be obtained, see &#8220;Where You Can Find More Information.&#8221;</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar Governing Documents </font>
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              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Old National Governing Documents </font>
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            <td style="padding:1.917pt 0pt 2.833pt 0pt; width:144pt;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Number of Authorized and Outstanding Shares</font>
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            <td style="padding:1.917pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar is authorized to issue up to (i)&#160;35,000,000 shares of common stock, par value $1.00 per share, and (ii)&#160;5,000,000 shares of preferred stock, par value $1.00 per share, of which 1,609,800 are designated as Series&#160;A Nonvoting Noncumulative Convertible Preferred Stock. As of the record date for the special meeting of CapStar shareholders, there were [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;] shares of CapStar common stock outstanding and no shares of CapStar preferred stock outstanding. </font>
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              <font style="letter-spacing:0.2pt;">Old National is authorized to issue up to (i)&#160;600,000,000 shares of common stock, without par value and (ii)&#160;2,000,000 shares of preferred stock, without par value. As of December&#160;20, 2023, there were 292,654,953 shares of Old National common stock outstanding and 231,000 shares of Old National preferred stock outstanding. </font>
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            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;white-space:nowrap;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Voting Limitations</font>
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              <font style="letter-spacing:0.2pt;">Holders of CapStar common stock are entitled to one vote per share in the election of directors and on all other matters submitted to a vote at a meeting of CapStar shareholders. </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <font style="letter-spacing:0.2pt;">Each share of Old National common stock is entitled to one vote on each matter voted on at a meeting of Old National&#8217;s shareholders. </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:-0.2pt;">Rights of Preferred Stock</font>
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              <font style="letter-spacing:0.2pt;">CapStar&#8217;s charter provides that the board of directors of CapStar may fix from time to time, by resolutions providing for the establishment and/or issuance of any series of common or preferred stock, the designation of such series and preferences, limitations and relative rights of the shares of such series. The shares of both common and preferred stock may be issued from time to time as authorized by the CapStar board of directors without the approval of CapStar&#8217;s </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <div>
                <font style="letter-spacing:0.2pt;">Old National&#8217;s articles of incorporation provide that shares of preferred stock may be issued from time to time in one or more additional series. Such shares of preferred stock may be redeemed, purchased, or otherwise acquired by Old National, subject to any limitation or restriction, if any, as contained in the express terms of any series, and may be reissued except as otherwise provided by law.</font>
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              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">As of December&#160;20, 2023, there were 231,000 shares of Old </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">75</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Old National Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:144pt;white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 4.833pt 0pt; width:144pt;">
              <div>
                <font style="letter-spacing:0.2pt;">shareholders, except to the extent that such approval is required by governing law, rule, or regulation.</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">No shares of CapStar preferred stock are issued and outstanding. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 4.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">National preferred stock outstanding. The designations, powers, preferences, limitations, restrictions and relative rights of such preferred stock are set forth in Old National&#8217;s articles of incorporation. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;white-space:nowrap;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Size of Board of Directors</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar&#8217;s charter and amended and restated bylaws provide that the number of directors serving on the CapStar board of directors shall be not less than five nor more than 25 (except when a greater number may be approved by operation of law), which number may be fixed or changed from time to time by the board of directors. CapStar&#8217;s board of directors is currently comprised of 13 directors. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Old National&#8217;s articles of incorporation provide that the number of directors on Old National&#8217;s board of directors, excluding directors who may be elected by the holders of any preferred stock, shall not be less than seven or more than twenty-five, with the exact number to fixed from time to time by the Od National bylaws. Old National&#8217;s board of directors is currently comprised of 16 directors. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;white-space:nowrap;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Classes of Directors</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar directors are elected annually and each director holds office for the term for which he or she is elected and until his or her successor is elected and qualified, or until such director&#8217;s earlier resignation or removal. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Old National&#8217;s board of directors consists of one class. All directors serve a one-year term, expiring at the next annual meeting of shareholders, or until their respective successors are duly elected and qualified or their earlier resignation, death, or removal. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;white-space:nowrap;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Removal of Directors</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar&#8217;s charter and amended and restated bylaws provide that shareholders may remove one (1)&#160;or more of the directors with or without cause. Any or all of the directors may be removed for cause by a vote of a majority of the entire board of directors. A director may be removed by the shareholders or board of directors only at a meeting called for the purpose of removing the director. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">The Old National bylaws provide that directors may be removed, with or without cause, only by (i)&#160;the affirmative vote of the holders of not less than two-thirds of the issued and outstanding shares of common stock entitled to vote on the removal, or (ii)&#160;the affirmative vote of not less than two-thirds of the actual number of directors elected and qualified and then in office. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Vacancies on the Board of Directors</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar&#8217;s amended and restated bylaws provide that, except in those instances where the CapStar charter or applicable law provides otherwise, a majority of directors then in office (even if less than a quorum), or a sole remaining director, may fill a vacancy or newly created </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Old National&#8217;s bylaws provide that a vacancy occurring in the board of directors for any reason may be filled for the remaining portion of the term by the affirmative vote of a majority of the remaining directors, whether or not the remaining directors constitute a quorum. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">76</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;min-height:9.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Old National Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.833pt 0pt; width:144pt;white-space:normal;">
              <font style="letter-spacing:0.2pt;">directorship on the board of directors. A vacancy that will occur at a specific later date (by reason of a resignation effective at a later date or otherwise) may be filled before the vacancy occurs by a majority of directors then in office, including those who have so resigned, but the new director may not take office until the vacancy occurs. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Special Meetings of Shareholders and Shareholders</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar&#8217;s amended and restated bylaws provide that special meetings of the shareholders, unless otherwise required by the Tennessee Business Corporation Act (&#8220;TBCA&#8221;), may be called by the board of directors, the chairman of the board, the vice chairman of the board, the president and chief executive officer, or by the secretary acting under instructions of the board of directors, the chairman of the board, the vice chairman of the board, the chief executive officer, or the president. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Old National&#8217;s bylaws provide that, except as otherwise provided by law or by Old National&#8217;s articles of incorporation, special meetings of shareholders (i)&#160;may be called by the board of directors, the chairman of the board of directors, the chief executive officer, or the president and (ii)&#160;shall be called by the chairman of the board of directors, the chief executive officer, the president, or the secretary at the request, in writing, of (a)&#160;a majority of the board of directors or (b)&#160;the holders of at least 25% of the shares entitled to vote on the matter to be considered at the special meeting. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;white-space:nowrap;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Quorum</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar&#8217;s amended and restated bylaws provide that a majority of the voting power of the outstanding shares entitled to vote at the meeting, present in person or represented by proxy, constitute a quorum at a meeting of shareholders. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Under Old National&#8217;s bylaws, except as otherwise provided by law or by Old National&#8217;s articles of incorporation, the holders of record of a majority of the issued and outstanding stock of Old National entitled to vote at the meeting, present in person or by proxy, shall constitute a quorum at a meeting of shareholders. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;white-space:nowrap;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Notice of Shareholder Meetings</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar&#8217;s amended and restated bylaws provide that notice of each shareholder meeting must be given to each shareholder entitled to vote not less than ten (10) days, nor more than 60&#160;days before the date of the meeting. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Old National&#8217;s bylaws provide that written notice of the purpose, date, time and place, or means of remote communication of each meeting of Old National&#8217;s shareholders will be given not less than ten days nor more than 60&#160;days before the meeting date to each shareholder of record entitled to vote at the meeting. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">77</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Old National Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Advance Notice of Shareholder and Shareholder Proposals</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.5pt 0pt; width:144pt;">
              <div>
                <font style="letter-spacing:0.2pt;">CapStar&#8217;s amended and restated bylaws provide that a shareholder who desires to nominate a person for election to the CapStar board of directors or present a shareholder proposal at the annual meeting of shareholders must give written notice of the proposed nomination or shareholder proposal to the Secretary of CapStar at the principal executive office of CapStar no more than 120&#160;days and not less than 75&#160;days prior to the first anniversary of the date CapStar commenced mailing its proxy materials in connection with the previous year&#8217;s annual meeting of shareholders.</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">In the event that the date of the annual meeting is more than 30&#160;days before or more than 70&#160;days after its anniversary date, notice by the shareholder must be delivered not later than the close of business on the later of (i)&#160;the 75th day prior to such annual meeting or (ii)&#160;the tenth day following CapStar&#8217;s public announcement of the meeting, and no earlier than the close of business on the 120th day prior to such annual meeting.</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">CapStar&#8217;s amended and restated bylaws provide that a shareholder who desires to nominate a person for election to the CapStar board of directors at a special meeting of shareholders must give written notice of the proposed nomination to the Secretary of CapStar at the principal executive office of CapStar no later than close of business on the 15th day following the day on which notice of the special meeting is first mailed to shareholders.</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">The shareholder must also comply with the other requirements for nominating a director or bringing other business before an annual or </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.5pt 0pt; width:144pt;">
              <div>
                <font style="letter-spacing:0.2pt;">Old National&#8217;s bylaws provide that for director nominee suggestions to be brought properly before the board of directors by a shareholder, the shareholder must submit such suggestion, in writing, to the corporate governance and nominating committee of the board of directors at least 120&#160;days before the date of the meeting. A shareholder&#8217;s written suggestion must set forth (i)&#160;the name and address of the shareholder making the suggestion; (ii)&#160;the number and class of shares owned by the shareholder; (iii)&#160;the name, address, and age of the nominee for election as director; (iv)&#160;the nominee&#8217;s principal occupation during the five&#160;years preceding the date of the suggestion; (v)&#160;all other information concerning the nominee which would be required in the proxy statement used to solicit proxies for the election of the nominee; (vi)&#160;a consent of the nominee to serve as director of Old National, if elected; and (vii)&#160;such other information as the corporate governance and nominating committee may reasonably request.</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">The Old National board of directors, after considering the recommendations of the corporate governance and nominating committee, shall have the sole authority for nominating persons to stand for election as directors at any meeting of shareholders. </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        </table>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">78</font>
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        </div>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;min-height:9.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Old National Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:12pt;min-height:41.25pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.833pt 0pt; width:144pt;white-space:normal;">
              <font style="letter-spacing:0.2pt;">special meeting of shareholders as set forth in CapStar&#8217;s amended and restated bylaws. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Limitation of Liability for Officers and Directors</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar&#8217;s charter limits a director&#8217;s liability to CapStar or its shareholders for monetary damages for breach of fiduciary duty as a director to the fullest extent permitted by the TBCA. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 2.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Old National&#8217;s articles of incorporation and bylaws do not provide for any limitation of liability for officers and directors. However, Chapter 35 of the IBCL provides that a director is not liable for any action taken as a director, or any failure to take any action, regardless of the nature of the alleged breach of duty, including alleged breaches of the duty of care, the duty of loyalty, and the duty of good faith, unless (i)&#160;the director has breached or failed to perform the duties of the director&#8217;s office in compliance with the IBCL and (ii)&#160;the breach or failure to perform constitutes willful misconduct or recklessness. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:144pt;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Indemnification of Officers and Directors</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">CapStar&#8217;s charter and bylaws provide that CapStar shall, to the fullest extent permitted by the TBCA, indemnify CapStar&#8217;s directors, officers and employees and each other person who is or was serving at the request of CapStar as a director, officer, manager or employee of an affiliate or of another entity, including service with respect to an employee benefit plan. The right to indemnification includes the right to be paid by CapStar the expenses incurred in defending any proceeding for which such right to indemnification is applicable in advance of its final disposition. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:144pt;">
              <div>
                <font style="letter-spacing:0.2pt;">Old National&#8217;s officers and directors are indemnified under Indiana law, the articles of incorporation and the bylaws of Old National against certain liabilities.</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">Old National&#8217;s articles of incorporation require it to provide indemnification to its officers and directors to the fullest extent authorized by the IBCL and to pay for or reimburse reasonable expenses incurred before the final disposition of the proceeding as authorized by the IBCL. Old National&#8217;s articles of incorporation also authorize it to maintain insurance at its expense to protect itself and any of its directors, officers, employees or agents or those of another corporation, partnership, joint venture, trust, or other entity against expense, liability or loss, whether or not Old National would have the power to indemnify such person against such expense, liability or loss </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">79</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;min-height:9.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">CapStar Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Old National Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 4.833pt 0pt; width:144pt;white-space:normal;">
              <div>
                <font style="letter-spacing:0.2pt;">under the IBCL. Old National currently maintains directors&#8217; and officers&#8217; liability insurance.</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to Old National directors, officers and controlling persons pursuant to the foregoing provisions, or otherwise, it has been advised that in the opinion of the SEC such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:144pt;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Amendments to Organizational Documents</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:144pt;">
              <div>
                <font style="letter-spacing:0.2pt;">CapStar&#8217;s charter may be amended pursuant to the procedures specified in the TBCA, provided that certain provisions in CapStar&#8217;s charter, including those relating to the liability of directors and approval of certain business transactions may be amended or rescinded only by the affirmative vote of the holders of at least two-thirds (2/3) of the issued and outstanding shares of CapStar entitled to vote thereon (unless approved by the affirmative vote of two-thirds (2/3) of all directors then in office).</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">Subject to certain exceptions, CapStar&#8217;s amended and restated bylaws may be amended or repealed and new bylaws may be adopted by the board of directors or shareholders of CapStar. Any amendment of the bylaws establishing or changing the number of directors within the range provided for in the bylaws, or establishing or changing the range itself, requires the affirmative vote of two-thirds (2/3) of all directors then in office or the affirmative vote of the holders of two-thirds (2/3) of the issued and outstanding shares of CapStar entitled to vote in an election of directors. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:144pt;">
              <div>
                <font style="letter-spacing:0.2pt;">Under the IBCL, Old National&#8217;s articles of incorporation may be altered, amended or repealed by the affirmative vote of a majority of all votes entitled to be cast on the matter at any shareholder meeting.</font>
              </div>
              <div style="margin-top:6pt;">
                <font style="letter-spacing:0.2pt;">Old National&#8217;s articles of incorporation provide that Old National&#8217;s bylaws may be altered, amended or repealed by either (i)&#160;the affirmative vote of a majority of the actual number of directors elected and qualified or (ii)&#160;the affirmative vote of a majority of all votes entitled to be cast on the matter at any shareholder meeting, provided that the proposed alteration, amendment, or repeal is contained in the notice of such shareholder meeting. </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">80</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:419.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:144pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.833pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center; line-height:9pt;">
                <font style="letter-spacing:-0.16pt;">CapStar Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.833pt 0pt; width:144pt;">
              <div style="white-space:nowrap; text-align:center; line-height:9pt;">
                <font style="letter-spacing:-0.16pt;">Old National Governing Documents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 1.833pt 0pt; width:144pt;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Action by Written Consent of Shareholders and Shareholders</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 1.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Pursuant to CapStar&#8217;s amended and restated bylaws, any action required or permitted to be taken at a board of directors meeting under the TBCA may be taken without a meeting if the action is taken by all members of the board of directors. The action must be evidenced by one or more consents in writing or by electronic transmission describing the action taken, which consent or consents must be included in the minutes or filed with the corporate records. </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 1.833pt 0pt; width:144pt;">
              <font style="letter-spacing:0.2pt;">Old National&#8217;s articles of incorporation provide that any action required or permitted to be taken at a meeting of shareholders may be taken without a meeting if, prior to such action, a written consent (or consents) setting forth the action is signed by all of the shareholders entitled to vote with respect to the subject matter of the action. Any such written consent must be filed with the minutes of the proceedings of the shareholders.</font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">81</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tLEMA">&#8203;</a><a name="tEXP">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">LEGAL MATTERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The validity of the Old National common stock to be issued in connection with the merger will be passed upon for Old National by Nicholas J. Chulos, Executive Vice President, Chief Legal Officer and Corporate Secretary of Old National.</font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Certain U.S. federal income tax consequences relating to the merger will be passed upon for Old National by Dykema Gossett PLLC and for CapStar by Wachtell, Lipton, Rosen &amp; Katz. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">EXPERTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The consolidated financial statements incorporated in this proxy statement/prospectus by reference to <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000070717923000008/onb-20221231.htm">Old National&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2022 filed with the SEC on February&#160;22, 2023</a> have been so incorporated in reliance upon the report of Crowe LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The consolidated financial statements of First Midwest Bancorp, Inc. appearing in <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828022011557/onb-20220215.htm">Old National&#8217;s</a> <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828022011557/onb-20220215.htm">Form 8-K/A filed April&#160;29, 2022</a> have been audited by Ernst &amp; Young LLP, an independent public accounting firm, as set forth in their report thereon, included therein, and incorporated herein by reference. Such consolidated financial statements are incorporated herein by reference in reliance upon such report given on the authority of such firm as experts in accounting and auditing. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The consolidated financial statements of CapStar Financial Holdings, Inc. and subsidiary as of December&#160;31, 2022 and 2021 and for each of the&#160;years in the three-year period ended December&#160;31, 2022 and the effectiveness of internal control over financial reporting as of December&#160;31, 2022 incorporated in this proxy statement/prospectus by reference from the CapStar Financial Holdings, Inc. <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023006036/cstr-20221231.htm">Annual Report on Form 10-K for the year ended December&#160;31, 2022</a> have been audited by Elliott Davis, PLLC, an independent registered public accounting firm, as stated in their reports thereon, incorporated herein by reference, and have been incorporated in this proxy statement/prospectus in reliance upon such reports and upon the authority of such firm as experts in auditing and accounting. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">82</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tDFSS">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">DEADLINES FOR SUBMITTING SHAREHOLDER PROPOSALS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">To be considered for inclusion in CapStar&#8217;s proxy materials for CapStar&#8217;s annual meeting of stockholders in 2024 (the &#8220;CapStar 2024 Annual Meeting&#8221;), proposals had to be received by CapStar no later than November&#160;11, 2023 and had to comply with all applicable requirements of Rule&#160;14a-8 promulgated under the Exchange Act and CapStar&#8217;s bylaws. Shareholders had to submit their proposals to CapStar at 1201&#160;Demonbreun Street, Suite 700, Nashville, Tennessee 37203, Attention: Corporate Secretary. CapStar will only include in its proxy materials those shareholder proposals that it received before the deadline and that are proper for shareholder action. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In addition, CapStar&#8217;s bylaws provide that at any annual meeting, only such nominations of individuals for election to the CapStar board shall be made, and only such other business shall be conducted or considered, as shall have been properly brought before the meeting. For nominations to be properly made at an annual meeting, and proposals of other business to be properly brought before an annual meeting, nominations and proposals of other business must be: (A)&#160;specified in CapStar&#8217;s notice of meeting (or any supplement thereto) given by or at the direction of the CapStar board; (B)&#160;otherwise properly made at the annual meeting of CapStar shareholders, by or at the direction of the CapStar board; or (C)&#160;otherwise properly requested to be brought before the annual meeting by a shareholder of CapStar in accordance with CapStar&#8217;s bylaws. For nominations of individuals for election to the CapStar board or proposals of other business to be properly requested by a shareholder to be made at an annual meeting, a shareholder must: (1)&#160;be a shareholder of record at the time such shareholder&#8217;s notice is delivered to CapStar&#8217;s Corporate Secretary and at the time of the annual meeting of CapStar shareholders; (2)&#160;be entitled to vote at such annual meeting of CapStar shareholders; (3)&#160;strictly comply with the notice and information requirements and procedures set forth in CapStar&#8217;s bylaws as to such business or nomination; and (4)&#160;strictly comply with Rule&#160;14a-19 promulgated under the Exchange Act, including, without limitation, the requirement to solicit at least 67% of the voting power of shares entitled to vote on the election of directors. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For any nominations or any other business to be properly brought before an annual meeting, the shareholder must have given timely notice thereof (including any documents require by CapStar&#8217;s bylaws), and timely updates and supplements thereof, in each case in proper form, in writing to CapStar&#8217;s Corporate Secretary, and such other business must otherwise be a proper matter for shareholder action. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">To be timely, a notice of the intent of a shareholder to make a nomination or to bring any other matter before the annual meeting of CapStar shareholders must be delivered to CapStar&#8217;s Corporate Secretary at the principal executive offices of CapStar not later than the close of business on the seventy-fifth (75th) day nor earlier than the close of business on the one hundred twentieth (120th) day prior to the first (1st) anniversary of the date CapStar made its proxy materials available for the preceding year&#8217;s annual meeting; provided, however, that in the event that the date of the annual meeting is more than thirty (30) days before or more than seventy (70) days after its anniversary date, notice by the shareholder to be timely must be so delivered not earlier than the close of business on the one hundred twentieth (120th) day prior to such annual meeting and not later than the close of business on the later of the seventy-fifth (75th) day prior to such annual meeting or the tenth (10th) day following the day on which public announcement of the date of such meeting is first made by CapStar. In no event will any adjournment or postponement of an annual meeting or the announcement thereof commence a new time period for the giving of a shareholder&#8217;s notice as described above. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Accordingly, a shareholder who intended to raise a proposal to be acted upon at the CapStar 2024 Annual Meeting was required to inform CapStar by sending written notice to CapStar&#8217;s Corporate Secretary at CapStar Financial Holdings, Inc., 1201 Demonbreun Street, Suite 700, Nashville, Tennessee 37203, no earlier than November&#160;11, 2023 nor later than December&#160;26, 2023. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The foregoing description of the advance notice provisions of CapStar&#8217;s bylaws is a summary and is qualified in its entirety by reference to the full text of CapStar&#8217;s bylaws, which were filed with the SEC on October&#160;28, 2019 as <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/1676479/000119312519276310/d824156dex31.htm">Exhibit&#160;3.1</a> to CapStar&#8217;s Current Report on Form 8-K. Accordingly, CapStar advises you to review CapStar&#8217;s bylaws for additional stipulations relating to advance notice of director nominations and business proposals. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">CapStar will not hold the CapStar 2024 Annual Meeting if the merger is completed prior to the date that CapStar is required under applicable law to hold the CapStar 2024 Annual Meeting. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">83</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tWYCF">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">WHERE YOU CAN FIND MORE INFORMATION</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Old National has filed with the SEC a registration statement under the Securities Act of 1933, as amended, that registers the issuance of the shares of Old National common stock to be issued in connection with the merger. This proxy statement/prospectus is a part of that registration statement and constitutes the prospectus of Old National and a proxy statement for CapStar shareholders. The registration statement, including this proxy statement/prospectus and the attached annexes, exhibits and schedules, contains additional relevant information about Old National and Old National common stock. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Old National and CapStar also file reports, proxy statements, and other information with the SEC under the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;). The SEC maintains a website at </font>
          <br >
          <font style="letter-spacing:0.2pt;">https://www.sec.gov that contains reports, proxy statements, and other information about issuers, such as Old National and CapStar, who file electronically with the SEC. The reports and other information filed by Old National with the SEC are also available at Old National&#8217;s website at www.oldnational.com. The reports and other information filed by CapStar with the SEC are also available at CapStar&#8217;s website at </font>
          <br >
          <font style="letter-spacing:0.2pt;">https://ir.capstarbank.com/financial-information/sec-filings. The web addresses of the SEC, Old National and CapStar are included as inactive textual references only. Except as specifically incorporated by reference into this proxy statement/prospectus, information on those web sites is not part of this proxy statement/</font>&#8203;<font style="letter-spacing:0.2pt;">prospectus. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The SEC allows Old National and CapStar to incorporate by reference information in this proxy statement/prospectus. This means that Old National and CapStar can disclose important information to you by referring you to another document filed separately with the SEC. The information incorporated by reference is considered to be a part of this proxy statement/prospectus, except for any information that is superseded by information that is included directly in this proxy statement/prospectus. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">This proxy statement/prospectus incorporates by reference the documents listed below that Old National and CapStar previously filed with the SEC (other than, in each case, documents or information deemed to have been furnished and not filed according to SEC rules). They contain important information about Old National, CapStar and their respective financial condition. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Old National filings (SEC File No. 001-15817)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000070717923000008/onb-20221231.htm">Annual Report on Form 10-K filed on February&#160;22, 2023 for the year ended December&#160;31, 2022;</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.91pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
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        <div style=" margin-top:5.91pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000155837023005043/onb-20230510xdef14a.htm">Definitive Proxy Statement filed on March&#160;30, 2023 for Old National&#8217;s 2023 Annual Meeting of Shareholders;</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000070717923000013/onb-20230331.htm">Quarterly Report on Form 10-Q filed on May&#160;3, 2023 for the quarterly period ended March&#160;31, 2023;</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000070717923000016/onb-20230630.htm">Quarterly Report on Form 10-Q filed on August&#160;2, 2023 for the quarterly period ended June&#160;30, 2023;</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000070717923000019/onb-20230930.htm">Quarterly Report on Form 10-Q filed on November&#160;1, 2023 for the quarterly period ended September&#160;30, 2023;</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Current Reports on Form 8-K filed <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828023004556/onb-20230222.htm">February&#160;22, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828023016761/onb-20230509.htm">May&#160;9, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828023024100/onb-20230628.htm">July&#160;3, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828023029663/onb-20230816.htm">August&#160;16, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828023035322/onb-20231026.htm">October&#160;26, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000110465923112981/tm2329233d4_8k.htm">October&#160;31, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828023039148/onb-20231115.htm">November&#160;15</a>, 2023 and [&#8199;&#8199;&#8199;&#8199;&#8199;], other than those portions of the documents deemed to be furnished and not filed; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/707179/000162828022011557/onb-20220215.htm">Current Report on Form 8-K/A filed April&#160;29, 2022.</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">CapStar filings (SEC File No. 001-37886)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023006036/cstr-20221231.htm">Annual Report on Form 10-K filed on March&#160;3, 2023 for the year ended December&#160;31, 2022;</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023007125/cstr-20230310.htm">Definitive Proxy Statement filed on March&#160;10, 2023 for CapStar&#8217;s 2023 Annual Meeting of Shareholders;</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023020399/cstr-20230331.htm">Quarterly Report on Form 10-Q filed on May&#160;10, 2023 for the quarterly period ended March&#160;31, 2023;</a> </font>
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          <font style="letter-spacing:0.2pt;">84</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023038918/cstr-20230630.htm">Quarterly Report on Form 10-Q filed on August&#160;7, 2023 for the quarterly period ended June&#160;30, 2023;</a> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023058849/cstr-20230930.htm">Quarterly Report on Form 10-Q filed on November&#160;3, 2023 for the quarterly period ended September&#160;30, 2023;</a> and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">Current Reports on Form 8-K filed <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023021721/cstr-20230512.htm">May&#160;12, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023024325/cstr-20230525.htm">May&#160;26 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000095017023028408/cstr-20230612.htm">June&#160;16, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000119312523264193/d510930d8k.htm">October&#160;26, 2023 (Film no.&#160;231351191</a>), <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000119312523267286/d504221d8k.htm">October&#160;31, 2023</a>, <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1676479/000119312523294457/d648553d8k.htm">December&#160;13, 2023</a> and [&#8199;&#8199;&#8199;&#8199;&#8199;], other than those portions of the documents deemed to be furnished and not filed. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National also incorporates by reference the description of Old National common stock contained as <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/707179/000070717923000008/onbexhibit4110-k2022.htm">Exhibit&#160;4.1</a> to Old National&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2022 filed on February&#160;22, 2023 with the SEC, including any amendment or report filed for the purpose of updating such description. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">CapStar also incorporates by reference the description of CapStar common stock contained in <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/1676479/000119312516714954/d260131d8a12b.htm">CapStar&#8217;s Registration Statement on Form 8-A filed with the SEC on September&#160;20, 2016</a>, and any amendments or reports filed for the purpose of updating such description. </font>
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          <font style="letter-spacing:0.2pt;">In addition, each of Old National and CapStar incorporates by reference additional documents respectively filed with the SEC under Sections&#160;13(a), 13(c), 14 and 15(d) of the Exchange Act between the date of this proxy statement/prospectus and the date of the CapStar special meeting, provided that each such issuer is not incorporating by reference any information furnished to, but not filed with, the SEC. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Except where the context otherwise indicates, Old National has supplied all information contained or incorporated by reference in this proxy statement/prospectus relating to Old National, and CapStar has supplied all information contained in this proxy statement/prospectus relating to CapStar. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Documents incorporated by reference are available from Old National and CapStar without charge, excluding any exhibits to those documents unless the exhibit is specifically incorporated by reference as an exhibit in this proxy statement/prospectus. You can obtain documents incorporated by reference in this proxy statement/prospectus by requesting them in writing or by telephone at the following address and phone number: </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For Old National documents incorporated by reference: </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National Bancorp</font>
          <br >
          <font style="letter-spacing:0.2pt;">One Main Street</font>
          <br >
          <font style="letter-spacing:0.2pt;">Evansville, Indiana 47708</font>
          <br >
          <font style="letter-spacing:0.2pt;">(773) 765-7675 </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For CapStar documents incorporated by reference: </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">CapStar Financial Holdings, Inc.</font>
          <br >
          <font style="letter-spacing:0.2pt;">1201 Demonbreun Street, Suite 700</font>
          <br >
          <font style="letter-spacing:0.2pt;">Nashville, Tennessee 37203</font>
          <br >
          <font style="letter-spacing:0.2pt;">Attn: Investor Relations</font>
          <br >
          <font style="letter-spacing:0.2pt;">Telephone: (615) 732-6455 </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-weight:bold;letter-spacing:-0.2pt;">CapStar shareholders requesting documents must request them no later than five business days before the date of the CapStar special meeting. This means that CapStar shareholders requesting documents must do so by [&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;], 2024. CapStar shareholders will not be charged for any of these documents that you request.</font><font style="letter-spacing:0.2pt;"> If you request any incorporated documents from Old National, Old National will mail them to you by first class mail, or another equally prompt means, within one business day after receiving your request. If you request any incorporated documents from CapStar, CapStar will mail them to you by first class mail, or another equally prompt means, within one business day after receiving your request. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Neither Old National nor CapStar has authorized anyone to give any information or make any representation about the merger or the companies that is different from, or in addition to, that contained in this proxy statement/prospectus or in any of the materials that have been incorporated in this proxy statement/</font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">85</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:556pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">prospectus. Therefore, if anyone gives you information of this sort, you should not rely on it. If you are in a jurisdiction where offers to exchange or sell, or solicitations of offers to exchange or purchase, the securities offered by this proxy statement/prospectus or the solicitation of proxies is unlawful, or if you are a person to whom it is unlawful to direct these types of activities, then the offer presented in this proxy statement/prospectus does not extend to you. The information contained in this proxy statement/prospectus speaks only as of the date of this proxy statement/prospectus unless the information specifically indicates that another date applies.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">86</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:332.5pt;height:333.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">Annex A &#8212; Agreement and Plan of Merger </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tAAAA">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;height:660pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:right; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">Annex A</font>&#8203;</div>
        <div style="margin-top:12pt; text-align:right; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">EXECUTION VERSION</font>&#8203;</div>
        <div style="margin-top:36pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">AGREEMENT AND PLAN OF MERGER</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:24pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">by and between</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:24pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">CAPSTAR FINANCIAL HOLDINGS, INC.,</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:24pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">and</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:24pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">OLD NATIONAL BANCORP</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:34.5pt; text-align:center; width:456pt;">
          <div style="margin-left: 38.158%; margin-right: 38.158%; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:30pt; text-align:center; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">Dated as of October&#160;26, 2023 </font>
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      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="TOC3">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">TABLE OF CONTENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:623.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:422.96pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Page </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARI"><font style="letter-spacing:0.2pt;">ARTICLE I THE MERGER </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARI">A-1</a></font> <a href="#tARI"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1MST"><font style="letter-spacing:0.2pt;">1.1</font>
                  <br >
                </a>
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              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1MST">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">The Merger </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1MST">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1MST">A-1</a></font> <a href="#t1MST"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1STT"><font style="letter-spacing:0.2pt;">1.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1STT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Closing </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1STT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1STT">A-1</a></font> <a href="#t1STT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1TTM"><font style="letter-spacing:0.2pt;">1.3</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1TTM">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Effective Time </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1TTM">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1TTM">A-2</a></font> <a href="#t1TTM"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1OTM"><font style="letter-spacing:0.2pt;">1.4</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1OTM">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Effects of the Merger </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1OTM">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1OTM">A-2</a></font> <a href="#t1OTM"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1OCC"><font style="letter-spacing:0.2pt;">1.5</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1OCC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Conversion of Company Common Stock </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1OCC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1OCC">A-2</a></font> <a href="#t1OCC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1OCE"><font style="letter-spacing:0.2pt;">1.6</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1OCE">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Treatment of Company Equity Awards </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1OCE">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1OCE">A-3</a></font> <a href="#t1OCE"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1CSA"><font style="letter-spacing:0.2pt;">1.7</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1CSA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Parent Common Stock </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1CSA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1CSA">A-4</a></font> <a href="#t1CSA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1OIO"><font style="letter-spacing:0.2pt;">1.8</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1OIO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Articles of Incorporation of Surviving Corporation </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1OIO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1OIO">A-4</a></font> <a href="#t1OIO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1OSC"><font style="letter-spacing:0.2pt;">1.9</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1OSC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Bylaws of Surviving Corporation </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1OSC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1OSC">A-4</a></font> <a href="#t1OSC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1MIF"><font style="letter-spacing:0.2pt;">1.10</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1MIF">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Bank Merger </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1MIF">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1MIF">A-4</a></font> <a href="#t1MIF"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t1OSC"><font style="letter-spacing:0.2pt;">1.11</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t1OSC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Tax Consequences </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t1OSC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t1OSC">A-4</a></font> <a href="#t1OSC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARII"><font style="letter-spacing:0.2pt;">ARTICLE II EXCHANGE OF SHARES </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARII">A-4</a></font> <a href="#tARII"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t2TMM"><font style="letter-spacing:0.2pt;">2.1</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t2TMM">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Parent to Make Merger Consideration Available </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t2TMM">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t2TMM">A-4</a></font> <a href="#t2TMM"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t2OS"><font style="letter-spacing:0.2pt;">2.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t2OS">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Exchange of Shares </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t2OS">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t2OS">A-5</a></font> <a href="#t2OS"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARII1"><font style="letter-spacing:0.2pt;">ARTICLE III REPRESENTATIONS AND WARRANTIES OF COMPANY </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARII1">A-6</a></font> <a href="#tARII1"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t31OR"><font style="letter-spacing:0.2pt;">3.1</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t31OR">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Corporate Organization </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t31OR">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t31OR">A-7</a></font> <a href="#t31OR"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t32C"><font style="letter-spacing:0.2pt;">3.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t32C">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Capitalization </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t32C">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t32C">A-8</a></font> <a href="#t32C"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3NV"><font style="letter-spacing:0.2pt;">3.3</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3NV">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Authority; No Violation </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3NV">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3NV">A-9</a></font> <a href="#t3NV"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3AAE"><font style="letter-spacing:0.2pt;">3.4</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3AAE">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Consents and Approvals </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3AAE">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3AAE">A-9</a></font> <a href="#t3AAE"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t35R"><font style="letter-spacing:0.2pt;">3.5</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t35R">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Reports </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t35R">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t35R">A-10</a></font> <a href="#t35R"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t36ST"><font style="letter-spacing:0.2pt;">3.6</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t36ST">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Financial Statements </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t36ST">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t36ST">A-11</a></font> <a href="#t36ST"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3FWT"><font style="letter-spacing:0.2pt;">3.7</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3FWT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Broker&#8217;s Fees </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3FWT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3FWT">A-12</a></font> <a href="#t3FWT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3OCC"><font style="letter-spacing:0.2pt;">3.8</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3OCC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Absence of Certain Changes or Events </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3OCC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3OCC">A-12</a></font> <a href="#t3OCC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t39PR"><font style="letter-spacing:0.2pt;">3.9</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t39PR">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Legal Proceedings </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t39PR">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t39PR">A-12</a></font> <a href="#t39PR"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3ATR"><font style="letter-spacing:0.2pt;">3.10</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3ATR">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Taxes and Tax Returns </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3ATR">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3ATR">A-12</a></font> <a href="#t3ATR"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3AEB"><font style="letter-spacing:0.2pt;">3.11</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3AEB">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Employees and Employee Benefit Plans </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3AEB">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3AEB">A-13</a></font> <a href="#t3AEB"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3WAL"><font style="letter-spacing:0.2pt;">3.12</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3WAL">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Compliance with Applicable Law </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3WAL">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3WAL">A-15</a></font> <a href="#t3WAL"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t31CO"><font style="letter-spacing:0.2pt;">3.13</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t31CO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Certain Contracts </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t31CO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t31CO">A-16</a></font> <a href="#t31CO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3WRA"><font style="letter-spacing:0.2pt;">3.14</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3WRA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Agreements with Regulatory Agencies </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3WRA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3WRA">A-17</a></font> <a href="#t3WRA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3MIE"><font style="letter-spacing:0.2pt;">3.15</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3MIE">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Risk Management Instruments </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3MIE">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3MIE">A-17</a></font> <a href="#t3MIE"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3MTC"><font style="letter-spacing:0.2pt;">3.16</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3MTC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Environmental Matters </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3MTC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3MTC">A-17</a></font> <a href="#t3MTC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3SAC"><font style="letter-spacing:0.2pt;">3.17</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3SAC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Investment Securities and Commodities </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3SAC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3SAC">A-17</a></font> <a href="#t3SAC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3PTC"><font style="letter-spacing:0.2pt;">3.18</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3PTC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Real Property </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3PTC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3PTC">A-18</a></font> <a href="#t3PTC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3PTC1"><font style="letter-spacing:0.2pt;">3.19</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3PTC1">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Intellectual Property </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3PTC1">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3PTC1">A-18</a></font> <a href="#t3PTC1"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3PTT"><font style="letter-spacing:0.2pt;">3.20</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3PTT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Related Party Transactions </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3PTT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3PTT">A-18</a></font> <a href="#t3PTT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3TLT"><font style="letter-spacing:0.2pt;">3.21</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3TLT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">State Takeover Laws </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3TLT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3TLT">A-19</a></font> <a href="#t3TLT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3TCH"><font style="letter-spacing:0.2pt;">3.22</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3TCH">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Reorganization </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3TCH">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3TCH">A-19</a></font> <a href="#t3TCH"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3OFA"><font style="letter-spacing:0.2pt;">3.23</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3OFA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Opinion of Financial Advisor </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3OFA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3OFA">A-19</a></font> <a href="#t3OFA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-i</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="TOC4">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:644.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:422.96pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Page </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3ITI"><font style="letter-spacing:0.2pt;">3.24</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3ITI">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Company Information </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3ITI">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3ITI">A-19</a></font> <a href="#t3ITI"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t32PO"><font style="letter-spacing:0.2pt;">3.25</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t32PO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Loan Portfolio </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t32PO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t32PO">A-19</a></font> <a href="#t32PO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3EAW"><font style="letter-spacing:0.2pt;">3.26</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3EAW">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Insurance </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3EAW">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3EAW">A-20</a></font> <a href="#t3EAW"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t32SE"><font style="letter-spacing:0.2pt;">3.27</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t32SE">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Information Security </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t32SE">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t32SE">A-20</a></font> <a href="#t32SE"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3BNT"><font style="letter-spacing:0.2pt;">3.28</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3BNT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Trust Business </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3BNT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3BNT">A-20</a></font> <a href="#t3BNT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3BAS"><font style="letter-spacing:0.2pt;">3.29</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3BAS">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Mortgage Banking Activities </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3BAS">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3BAS">A-20</a></font> <a href="#t3BAS"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t3ORO"><font style="letter-spacing:0.2pt;">3.30</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t3ORO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">No Other Representations or Warranties </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t3ORO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t3ORO">A-21</a></font> <a href="#t3ORO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARIV"><font style="letter-spacing:0.2pt;">ARTICLE IV REPRESENTATIONS AND WARRANTIES OF PARENT </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARIV">A-21</a></font> <a href="#tARIV"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t41OR"><font style="letter-spacing:0.2pt;">4.1</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t41OR">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Corporate Organization </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t41OR">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t41OR">A-21</a></font> <a href="#t41OR"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t42C"><font style="letter-spacing:0.2pt;">4.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t42C">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Capitalization </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t42C">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t42C">A-22</a></font> <a href="#t42C"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4NV"><font style="letter-spacing:0.2pt;">4.3</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4NV">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Authority; No Violation </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4NV">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4NV">A-22</a></font> <a href="#t4NV"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4AAE"><font style="letter-spacing:0.2pt;">4.4</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4AAE">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Consents and Approvals </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4AAE">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4AAE">A-23</a></font> <a href="#t4AAE"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t45R"><font style="letter-spacing:0.2pt;">4.5</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t45R">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Reports </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t45R">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t45R">A-23</a></font> <a href="#t45R"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t46ST"><font style="letter-spacing:0.2pt;">4.6</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t46ST">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Financial Statements </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t46ST">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t46ST">A-24</a></font> <a href="#t46ST"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4OCC"><font style="letter-spacing:0.2pt;">4.7</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4OCC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Absence of Certain Changes or Events </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4OCC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4OCC">A-25</a></font> <a href="#t4OCC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t48PR"><font style="letter-spacing:0.2pt;">4.8</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t48PR">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Legal Proceedings </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t48PR">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t48PR">A-25</a></font> <a href="#t48PR"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4ATR"><font style="letter-spacing:0.2pt;">4.9</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4ATR">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Taxes and Tax Returns </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4ATR">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4ATR">A-25</a></font> <a href="#t4ATR"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4WAL"><font style="letter-spacing:0.2pt;">4.10</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4WAL">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Compliance with Applicable Law </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4WAL">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4WAL">A-25</a></font> <a href="#t4WAL"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4WRA"><font style="letter-spacing:0.2pt;">4.11</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4WRA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Agreements with Regulatory Agencies </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4WRA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4WRA">A-26</a></font> <a href="#t4WRA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4PHN"><font style="letter-spacing:0.2pt;">4.12</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4PHN">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Reorganization </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4PHN">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4PHN">A-26</a></font> <a href="#t4PHN"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4ITI"><font style="letter-spacing:0.2pt;">4.13</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4ITI">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Parent Information </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4ITI">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4ITI">A-27</a></font> <a href="#t4ITI"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t4ORO"><font style="letter-spacing:0.2pt;">4.14</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t4ORO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">No Other Representations or Warranties </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t4ORO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t4ORO">A-27</a></font> <a href="#t4ORO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARV"><font style="letter-spacing:0.2pt;">ARTICLE V COVENANTS RELATING TO CONDUCT OF BUSINESS </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARV">A-27</a></font> <a href="#tARV"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t5OBP"><font style="letter-spacing:0.2pt;">5.1</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t5OBP">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Conduct of Business Prior to the Effective Time </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t5OBP">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t5OBP">A-27</a></font> <a href="#t5OBP"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t5FDT"><font style="letter-spacing:0.2pt;">5.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t5FDT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Company Forbearances </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t5FDT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t5FDT">A-27</a></font> <a href="#t5FDT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t5FDT1"><font style="letter-spacing:0.2pt;">5.3</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t5FDT1">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Parent Forbearances </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t5FDT1">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t5FDT1">A-29</a></font> <a href="#t5FDT1"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARVI"><font style="letter-spacing:0.2pt;">ARTICLE VI ADDITIONAL AGREEMENTS </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARVI">A-30</a></font> <a href="#tARVI"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t61MA"><font style="letter-spacing:0.2pt;">6.1</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t61MA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Regulatory Matters </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t61MA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t61MA">A-30</a></font> <a href="#t61MA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6TI"><font style="letter-spacing:0.2pt;">6.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6TI">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Access to Information </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6TI">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6TI">A-31</a></font> <a href="#t6TI"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6OCS"><font style="letter-spacing:0.2pt;">6.3</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6OCS">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Approvals of Company Shareholders </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6OCS">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6OCS">A-32</a></font> <a href="#t6OCS"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6CTM"><font style="letter-spacing:0.2pt;">6.4</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6CTM">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Legal Conditions to Merger </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6CTM">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6CTM">A-33</a></font> <a href="#t6CTM"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6ELP"><font style="letter-spacing:0.2pt;">6.5</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6ELP">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Stock Exchange Listing </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6ELP">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6ELP">A-33</a></font> <a href="#t6ELP"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t66MA"><font style="letter-spacing:0.2pt;">6.6</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t66MA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Employee Matters </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t66MA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t66MA">A-33</a></font> <a href="#t66MA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6DAO"><font style="letter-spacing:0.2pt;">6.7</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6DAO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Indemnification; Directors&#8217; and Officers&#8217; Insurance </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6DAO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6DAO">A-34</a></font> <a href="#t6DAO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6AIC"><font style="letter-spacing:0.2pt;">6.8</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6AIC">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Additional Agreements </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6AIC">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6AIC">A-35</a></font> <a href="#t6AIC"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6ATD"><font style="letter-spacing:0.2pt;">6.9</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6ATD">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Dividends </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6ATD">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6ATD">A-35</a></font> <a href="#t6ATD"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6OCP"><font style="letter-spacing:0.2pt;">6.10</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6OCP">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Advice of Changes </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6OCP">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6OCP">A-36</a></font> <a href="#t6OCP"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t61PR"><font style="letter-spacing:0.2pt;">6.11</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t61PR">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Acquisition Proposals </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t61PR">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t61PR">A-36</a></font> <a href="#t61PR"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6APA"><font style="letter-spacing:0.2pt;">6.12</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6APA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Public Announcements </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6APA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6APA">A-37</a></font> <a href="#t6APA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6OMP"><font style="letter-spacing:0.2pt;">6.13</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6OMP">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Change of Method </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6OMP">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6OMP">A-37</a></font> <a href="#t6OMP"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-ii</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="TOC5">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:88.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:494.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:422.96pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Page </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6SNT"><font style="letter-spacing:0.2pt;">6.14</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6SNT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Takeover Statutes </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6SNT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6SNT">A-37</a></font> <a href="#t6SNT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6FLU"><font style="letter-spacing:0.2pt;">6.15</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6FLU">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Exemption from Liability under Section&#160;16(b) </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6FLU">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6FLU">A-37</a></font> <a href="#t6FLU"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6LEO"><font style="letter-spacing:0.2pt;">6.16</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6LEO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Shareholder Litigation </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6LEO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6LEO">A-38</a></font> <a href="#t6LEO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6OCD"><font style="letter-spacing:0.2pt;">6.17</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6OCD">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Assumption of Company Debt </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6OCD">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6OCD">A-38</a></font> <a href="#t6OCD"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6ACT"><font style="letter-spacing:0.2pt;">6.18</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6ACT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Transfer Agent Certificate </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6ACT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6ACT">A-38</a></font> <a href="#t6ACT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6LPT"><font style="letter-spacing:0.2pt;">6.19</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6LPT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Certain Loans </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6LPT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6LPT">A-38</a></font> <a href="#t6LPT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t6MTP"><font style="letter-spacing:0.2pt;">6.20</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t6MTP">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">280G Matters. </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t6MTP">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t6MTP">A-38</a></font> <a href="#t6MTP"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARVI1"><font style="letter-spacing:0.2pt;">ARTICLE VII CONDITIONS PRECEDENT </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARVI1">A-38</a></font> <a href="#tARVI1"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t7TEP"><font style="letter-spacing:0.2pt;">7.1</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t7TEP">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Conditions to Each Party&#8217;s Obligation to Effect the Merger </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t7TEP">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t7TEP">A-38</a></font> <a href="#t7TEP"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t7TOO"><font style="letter-spacing:0.2pt;">7.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t7TOO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Conditions to Obligations of Parent </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t7TOO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t7TOO">A-39</a></font> <a href="#t7TOO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t7TOO1"><font style="letter-spacing:0.2pt;">7.3</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t7TOO1">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Conditions to Obligations of the Company </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t7TOO1">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t7TOO1">A-40</a></font> <a href="#t7TOO1"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARVI2"><font style="letter-spacing:0.2pt;">ARTICLE VIII TERMINATION AND AMENDMENT </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARVI2">A-41</a></font> <a href="#tARVI2"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t8TAM"><font style="letter-spacing:0.2pt;">8.1</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t8TAM">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Termination </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t8TAM">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t8TAM">A-41</a></font> <a href="#t8TAM"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t8OT"><font style="letter-spacing:0.2pt;">8.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t8OT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Effect of Termination </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t8OT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t8OT">A-42</a></font> <a href="#t8OT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARIX"><font style="letter-spacing:0.2pt;">ARTICLE IX GENERAL PROVISIONS </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tARIX">A-43</a></font> <a href="#tARIX"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:9.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9ORW"><font style="letter-spacing:0.2pt;">9.1</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9ORW">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Nonsurvival of Representations, Warranties and Agreements </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9ORW">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:9.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9ORW">A-43</a></font> <a href="#t9ORW"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9WAA"><font style="letter-spacing:0.2pt;">9.2</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9WAA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Amendment </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9WAA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9WAA">A-43</a></font> <a href="#t9WAA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9EAO"><font style="letter-spacing:0.2pt;">9.3</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9EAO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Extension; Waiver </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9EAO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9EAO">A-43</a></font> <a href="#t9EAO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9EAO"><font style="letter-spacing:0.2pt;">9.4</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9EAO">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Expenses </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9EAO">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9EAO">A-43</a></font> <a href="#t9EAO"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9PRA1"><font style="letter-spacing:0.2pt;">9.5</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9PRA1">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Notices </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9PRA1">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9PRA1">A-43</a></font> <a href="#t9PRA1"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9PRA12"><font style="letter-spacing:0.2pt;">9.6</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9PRA12">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Interpretation </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9PRA12">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9PRA12">A-44</a></font> <a href="#t9PRA12"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9ATA"><font style="letter-spacing:0.2pt;">9.7</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9ATA">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Counterparts </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9ATA">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9ATA">A-45</a></font> <a href="#t9ATA"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9LJ"><font style="letter-spacing:0.2pt;">9.8</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9LJ">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Entire Agreement </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9LJ">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9LJ">A-45</a></font> <a href="#t9LJ"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#tAASB"><font style="letter-spacing:0.2pt;">9.9</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#tAASB">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Governing Law; Jurisdiction </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tAASB">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tAASB">A-45</a></font> <a href="#tAASB"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9OJT"><font style="letter-spacing:0.2pt;">9.10</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9OJT">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Waiver of Jury Trial </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9OJT">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9OJT">A-45</a></font> <a href="#t9OJT"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9TBN"><font style="letter-spacing:0.2pt;">9.11</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9TBN">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Assignment; Third-Party Beneficiaries </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9TBN">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9TBN">A-45</a></font> <a href="#t9TBN"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9PTP"><font style="letter-spacing:0.2pt;">9.12</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9PTP">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Specific Performance </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9PTP">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9PTP">A-46</a></font> <a href="#t9PTP"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9WPE"><font style="letter-spacing:0.2pt;">9.13</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9WPE">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Severability </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9WPE">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9WPE">A-46</a></font> <a href="#t9WPE"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9SIN"><font style="letter-spacing:0.2pt;">9.14</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9SIN">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Confidential Supervisory Information </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9SIN">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9SIN">A-46</a></font> <a href="#t9SIN"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:30pt;white-space:nowrap;">
                <a href="#t9BET"><font style="letter-spacing:0.2pt;">9.15</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:40pt;">
                <a href="#t9BET">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Delivery by Electronic Transmission </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#t9BET">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#t9BET">A-46</a></font>
            </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:16pt; width:456pt; line-height:12pt;letter-spacing:0.2pt;">Annex A&#8201;&#8211;&#8201;List of Directors Entering into Voting Agreement<font style="letter-spacing:0.2pt;"> </font></div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;letter-spacing:0.2pt;">
          <a href="#ANNB">Annex B&#8201;&#8211;&#8201;Form of Voting Agreement</a><font style="letter-spacing:0.2pt;"> </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-iii</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">INDEX OF DEFINED TERMS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:623.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Term </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:53pt;text-align:center;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Section </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">$ </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Acceptable Confidentiality Agreement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.11(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Acquisition Proposal </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.11(c)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Adjusted Shareholder&#8217;s Equity </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">7.2(e)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">affiliate </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Agreement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">Preamble</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Bank Merger </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.10</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Bank Merger Agreement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.10</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Bank Merger Certificates </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.10</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">BHC Act </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Blue Sky </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.4</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">business day </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Certificate </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.5(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Chosen Courts </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.9(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Closing </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.2</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Closing Date </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.2</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Code </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">Recitals</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">Preamble</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company 401(k) Plan </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.6(d)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Bank </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.10</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Benefit Plans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.11(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Bylaws </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Charter </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Common Stock </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.5(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Contract </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.13(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Disclosure Schedule </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">Article&#160;III</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Equity Award </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6(c)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Indemnified Parties </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.7(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Insiders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.15</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Meeting </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.3</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Option </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Owned Properties </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.18</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company PSU Award </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6(c)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Qualified Plan </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.11(d)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Real Property </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.18</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Regulatory Agreement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.14</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Reports </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.5(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Restricted Stock Award </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company RSU Award </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6(c)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Company Subsidiary </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Confidentiality Agreement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.2(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-iv</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:653.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Term </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:53pt;text-align:center;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Section </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Continuing Employees </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.6(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Controlled Group Liability </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.11(e)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">dollar </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Effective Time </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.3</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Enforceability Exceptions </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.3(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Environmental Laws </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.16</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">ERISA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.11(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">ERISA Affiliate </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.11(e)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Act </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.6(c)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Agent </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">2.1</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Fund </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">2.1</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.5(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">FDIC </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Federal Reserve Board </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">GAAP </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Governmental Entity </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.4</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">IBCL </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.1</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Indiana Articles of Merger </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.3</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Indiana Secretary </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.3</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Intellectual Property </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.19</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">IRS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">knowledge of Parent </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
            </td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">knowledge of the Company </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
            </td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Liens </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.2(c)</font>
              </div>
            </td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.25(a)</font>
              </div>
            </td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">made available </font>
              </div>
            </td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Material Adverse Effect </font>
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            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(a)</font>
              </div>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Materially Burdensome Regulatory Condition </font>
              </div>
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            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.1(c)</font>
              </div>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Merger </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.1</font>
              </div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Merger Consideration </font>
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            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.5(a)</font>
              </div>
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              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Minimum Adjusted Shareholder&#8217;s Equity </font>
              </div>
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              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">7.2(e)</font>
              </div>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Multiemployer Plan </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.11(f)</font>
              </div>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Multiple Employer Plan </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.11(f)</font>
              </div>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net Share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6(a)(i)</font>
              </div>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">New Certificates </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">2.1</font>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">New Plans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.6(c)</font>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Notifying Party </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.10</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
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            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
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              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.6(d)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">4.1(a)</font>
              </div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.10</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
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            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Certificate </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 0.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
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              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-v</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:17.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:593.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Term </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:53pt;text-align:center;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Section </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Common Stock </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.5(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Common Stock Closing Price </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">2.2(e)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Disclosure Schedule </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">Article&#160;IV</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Preferred Stock </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">4.2</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Regulatory Agreement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">4.11</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Reports </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">4.5(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Restricted Stock Award </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6(c)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent RSU Award </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6(c)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Parent Subsidiary </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">4.1(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Per Share Cash Equivalent Consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.6(a)(ii)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Permitted Encumbrances </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.18</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">person </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Premium Cap </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.7(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Proxy Statement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.4</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Regulatory Agencies </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.5(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Representatives </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.11(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Requisite Company Vote </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.3(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Requisite Regulatory Approvals </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.1(e)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">S-4 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.4</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Sarbanes-Oxley Act </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.5(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">SEC </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.4</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Securities Act </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.5(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">SRO </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.5(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Subsidiary </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.1(a)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Superior Proposal </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">6.3</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Surviving Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.1</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Takeover Statutes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.21</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tax </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.10(b)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tax Return </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.10(c)</font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">3.10(b)</font>
              </div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">TBCA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.1</font>
              </div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tennessee Articles of Merger </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.3</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tennessee Secretary </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">1.3</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Termination Date </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">8.1(c)</font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Termination Fee </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">8.2(b)</font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">the date hereof </font>
              </div>
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            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">transactions contemplated by this Agreement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">transactions contemplated hereby </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">9.6</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Voting Agreements </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0.5pt 1.5pt 0pt; width:53pt;text-align:right;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">Recitals</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-vi</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC3">TABLE OF CONTENTS</a><a name="tARI">&#8203;</a><a name="t1MST">&#8203;</a><a name="t1STT">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">AGREEMENT AND PLAN OF MERGER</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">AGREEMENT AND PLAN OF MERGER, dated as of October&#160;26, 2023 (this &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Agreement</font><font style="letter-spacing:0.2pt;">&#8221;), by and between CapStar Financial Holdings, Inc., a Tennessee corporation (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company</font><font style="letter-spacing:0.2pt;">&#8221;) and Old National Bancorp, an Indiana corporation (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">W I T N E S S E T H:</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, the Board of Directors of the Company has unanimously (i)&#160;determined that this Agreement and the transactions contemplated hereby, including the Merger, are in the best interests of the Company and the Company&#8217;s shareholders, and declared that this Agreement is advisable, and (ii)&#160;approved the execution, delivery and performance by the Company of this Agreement and the consummation of the transactions contemplated hereby, including the Merger; </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, the Board of Directors of Parent has unanimously (i)&#160;determined that this Agreement and the transactions contemplated hereby, including the Merger, are in the best interests of Parent and Parent&#8217;s shareholders, and (ii)&#160;approved the execution, delivery and performance by Parent of this Agreement and the consummation of the transactions contemplated hereby, including the Merger; </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, the Board of Directors of the Company, subject to the terms of this Agreement, has resolved to recommend that the Company&#8217;s shareholders approve this Agreement and to submit this Agreement to the Company&#8217;s shareholders for approval; </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, for U.S. federal income tax purposes, it is intended that the Merger shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Internal Revenue Code of 1986, as amended (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Code</font><font style="letter-spacing:0.2pt;">&#8221;), and this Agreement is intended to be and is adopted as a plan of reorganization for purposes of Sections&#160;354 and 361 of the Code; </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, as an inducement to and condition of Parent&#8217;s willingness to enter into this Agreement, each of the directors and an executive officer of the Company listed on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Annex A</font><font style="letter-spacing:0.2pt;"> is concurrently entering into voting agreements, the form of which is attached hereto as </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Annex B</font><font style="letter-spacing:0.2pt;"> (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Voting Agreements</font><font style="letter-spacing:0.2pt;">&#8221;), 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 </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">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. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">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: </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">ARTICLE I</font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE MERGER</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">1.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">The Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject to the terms and conditions of this Agreement, in accordance with the Tennessee Business Corporation Act (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">TBCA</font><font style="letter-spacing:0.2pt;">&#8221;) and the Indiana Business Corporation Law (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">IBCL</font><font style="letter-spacing:0.2pt;">&#8221;), at the Effective Time, the Company shall merge with and into Parent (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Merger</font><font style="letter-spacing:0.2pt;">&#8221;). Parent shall be the surviving corporation in the Merger (hereinafter referred to in such capacity as the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Surviving Corporation</font><font style="letter-spacing:0.2pt;">&#8221;), 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>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">1.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Closing</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject to the terms and conditions of this Agreement, the closing of the Merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Closing</font><font style="letter-spacing:0.2pt;">&#8221;) will occur by electronic exchange of documents at 8:00&#160;a.m. Evansville, Indiana time, on a date which shall be no later than three (3)&#160;business days after the satisfaction or waiver (subject to applicable law) of the latest to occur of the conditions set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;VII</font><font style="letter-spacing:0.2pt;"> 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Closing Date</font><font style="letter-spacing:0.2pt;">.&#8221; </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-1</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC3">TABLE OF CONTENTS</a><a name="t1TTM">&#8203;</a><a name="t1OTM">&#8203;</a><a name="t1OCC">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">1.3&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effective Time</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Merger shall become effective as set forth in the articles of merger with respect to the Merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tennessee Articles of Merger</font><font style="letter-spacing:0.2pt;">&#8221;) to be filed with the Secretary of State of the State of Tennessee (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tennessee Secretary</font><font style="letter-spacing:0.2pt;">&#8221;) on the Closing Date and the articles of merger to be filed with the Secretary of State of the State of Indiana (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Indiana Secretary</font><font style="letter-spacing:0.2pt;">&#8221;). The term &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effective Time</font><font style="letter-spacing:0.2pt;">&#8221; 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>
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          <font style="letter-spacing:0.2pt;">1.4&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effects of the Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">1.5&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conversion of Company Common Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(e)</font><font style="letter-spacing:0.2pt;">, each share of common stock, $1.00 par value (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Common Stock</font><font style="letter-spacing:0.2pt;">&#8221;), 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)&#160;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)&#160;held, directly or indirectly, as a result of debts previously contracted), shall be converted into 1.155 shares (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Ratio</font><font style="letter-spacing:0.2pt;">&#8221;) of common stock, no par value per share, of Parent (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Common Stock</font><font style="letter-spacing:0.2pt;">&#8221;) (such consideration, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Merger Consideration</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;All of the shares of Company Common Stock converted into the right to receive the Merger Consideration pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;I</font><font style="letter-spacing:0.2pt;"> 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certificate</font><font style="letter-spacing:0.2pt;">,&#8221; it being understood that any reference herein to &#8220;Certificate&#8221; 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)&#160;the Merger Consideration, including a certificate (it being understood that any reference herein to a &#8220;certificate&#8221; 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.5(a)</font><font style="letter-spacing:0.2pt;">, (ii)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.5(a)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(e)</font><font style="letter-spacing:0.2pt;">, without any interest thereon, and (iii)&#160;any dividends or distributions which the holder thereof has the right to receive pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;">. 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;">, 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; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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)&#160;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)&#160;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>
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        <a style="text-decoration:none;color:#003366;" href="#TOC3">TABLE OF CONTENTS</a><a name="t1OCE">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">1.6&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Treatment of Company Equity Awards</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;At the Effective Time, each option to purchase shares of Company Common Stock (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Option</font><font style="letter-spacing:0.2pt;">&#8221;) 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&#160;(5)&#160;days following the Closing Date. For purposes of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.6(a)</font><font style="letter-spacing:0.2pt;">: </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Net Share</font><font style="letter-spacing:0.2pt;">&#8221; means, with respect to a Company Option, the quotient obtained by dividing (A)&#160;the product of (i)&#160;the excess, if any, of the Per Share Cash Equivalent Consideration over the per share exercise price of such Company Option, multiplied by (ii)&#160;the number of shares of Company Common Stock subject to such Company Option immediately prior to the Effective Time, by (B)&#160;the Per Share Cash Equivalent Consideration. </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Per Share Cash Equivalent Consideration</font><font style="letter-spacing:0.2pt;">&#8221; means the product (rounded to the nearest cent) obtained by multiplying (A)&#160;the Exchange Ratio by (B)&#160;Parent Common Stock Closing Price. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;At the Effective Time, each award of a share of Company Common Stock subject to vesting, repurchase or other lapse restriction (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Restricted Stock Award</font><font style="letter-spacing:0.2pt;">&#8221;) 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.6</font><font style="letter-spacing:0.2pt;"> (together with any accrued but unpaid dividends) corresponding to the Company Restricted Stock Awards that vest in accordance with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.6(b)</font><font style="letter-spacing:0.2pt;">, less applicable Tax withholdings, within five (5)&#160;days following the Closing Date. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Except as provided in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.6(b)</font><font style="letter-spacing:0.2pt;"> 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Restricted Stock Award</font><font style="letter-spacing:0.2pt;">&#8221;) with respect to a number of shares of Parent Common Stock determined by multiplying (i)&#160;the number of shares of Company Common Stock underlying the Company Restricted Stock Award immediately prior to the Effective Time by (ii)&#160;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 &#8220;change in control&#8221; 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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company RSU Award</font><font style="letter-spacing:0.2pt;">&#8221;) that is outstanding as of immediately prior to the Effective Time shall be assumed and converted into a restricted stock award (each, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent RSU Award</font><font style="letter-spacing:0.2pt;">&#8221;) with respect to a number of shares of Parent Common Stock determined by multiplying (i)&#160;the number of shares of Company Common Stock underlying the Company RSU Award immediately prior to the Effective Time by (ii)&#160;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 &#8220;change in control&#8221; 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>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;At the Effective Time, each restricted stock unit award in respect of shares of Company Common Stock subject to performance-based vesting conditions (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company PSU Award</font><font style="letter-spacing:0.2pt;">&#8221; and, together with Company Options, Company Restricted Stock Awards and Company RSU Awards, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Equity Awards</font><font style="letter-spacing:0.2pt;">&#8221;) that is outstanding as of immediately prior to the Effective Time shall fully </font>
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          <font style="letter-spacing:0.2pt;">A-3</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC3">TABLE OF CONTENTS</a><a name="t1CSA">&#8203;</a><a name="t1OIO">&#8203;</a><a name="t1OSC">&#8203;</a><a name="t1MIF">&#8203;</a><a name="t1CII">&#8203;</a><a name="tARII">&#8203;</a><a name="t2TMM">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.6(e)</font><font style="letter-spacing:0.2pt;">, less applicable Tax withholdings, within five (5)&#160;days following the Closing Date; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">however</font><font style="letter-spacing:0.2pt;">, that, with respect to any Company PSU Award that constitutes &#8220;deferred compensation&#8221; subject to Section&#160;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&#160;409A of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.6</font><font style="letter-spacing:0.2pt;">. 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 S-3 or Form 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.6</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">1.7&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Common Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">1.8&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Articles of Incorporation of Surviving Corporation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Effective Time, the Fifth Amended and Restated Articles of Incorporation of Parent (as amended) (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Certificate</font><font style="letter-spacing:0.2pt;">&#8221;), 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>
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          <font style="letter-spacing:0.2pt;">1.9&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bylaws of Surviving Corporation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Effective Time, the Amended and Restated Bylaws of Parent (as amended) (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Bylaws</font><font style="letter-spacing:0.2pt;">&#8221;), 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>
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          <font style="letter-spacing:0.2pt;">1.10&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Immediately following the Merger or at such later time as Parent may determine, CapStar Bank (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Bank</font><font style="letter-spacing:0.2pt;">&#8221;), a Tennessee state-chartered bank and a wholly owned Subsidiary of the Company, will merge (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger</font><font style="letter-spacing:0.2pt;">&#8221;) with and into Old National Bank, a national banking association bank and a wholly owned Subsidiary of Parent (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Bank</font><font style="letter-spacing:0.2pt;">&#8221;). 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger Agreement</font><font style="letter-spacing:0.2pt;">,&#8221;). 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 (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger Certificates</font><font style="letter-spacing:0.2pt;">&#8221;) immediately following the Merger or at such later time as Parent may determine. </font>
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          <font style="letter-spacing:0.2pt;">1.11&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tax Consequences</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;It is intended that the Merger shall qualify as a reorganization within the meaning of Section&#160;368(a) of the Code, and this this Agreement is intended to be and is adopted as a plan of reorganization for the purposes of Sections&#160;354 and 361 of the Code. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE II</font>
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          <font style="letter-spacing:-0.2pt;">EXCHANGE OF SHARES</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">2.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent to Make Merger Consideration Available</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Agent</font><font style="letter-spacing:0.2pt;">&#8221;), for the benefit of the holders of Certificates, for exchange in accordance with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">, (i)&#160;certificates or, at Parent&#8217;s option, evidence of shares in book </font>
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          <font style="letter-spacing:0.2pt;">entry form (collectively, referred to herein as &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">New Certificates</font><font style="letter-spacing:0.2pt;">&#8221;), representing the shares of Parent Common Stock to be issued to holders of Company Common Stock, and (ii)&#160;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Fund</font><font style="letter-spacing:0.2pt;">&#8221;), to be issued pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.5</font><font style="letter-spacing:0.2pt;"> and paid pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;"> in exchange for outstanding shares of Company Common Stock. </font>
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          <font style="letter-spacing:0.2pt;">2.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange of Shares</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;As promptly as practicable after the Effective Time, but in no event later than five (5)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;I</font><font style="letter-spacing:0.2pt;">, 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(b)</font><font style="letter-spacing:0.2pt;">. 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)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;I</font><font style="letter-spacing:0.2pt;"> and (ii)&#160;a check representing the amount of (A)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">, and (B)&#160;any dividends or distributions which the holder thereof has the right to receive pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;">, 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;">, 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">. After the surrender of a Certificate in accordance with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">, 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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;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)&#160;the average of the closing-sale prices of Parent Common Stock on the Nasdaq Stock Exchange as reported by the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;"> for the five (5)&#160;full trading days ending on the trading day immediately preceding the Closing Date (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Common Stock Closing Price</font><font style="letter-spacing:0.2pt;">&#8221;) by (ii)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.5</font><font style="letter-spacing:0.2pt;">. 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>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;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)&#160;will be paid over by Parent or the Exchange Act to the appropriate governmental authority and (ii)&#160;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>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:-0.2pt;">ARTICLE III</font>
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          <font style="letter-spacing:-0.2pt;">REPRESENTATIONS AND WARRANTIES OF COMPANY</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Except (a)&#160;as disclosed in the disclosure schedule delivered by the Company to Parent concurrently herewith (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Disclosure Schedule</font><font style="letter-spacing:0.2pt;">&#8221;); </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that (i)&#160;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)&#160;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)&#160;any disclosures made with respect to a section of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> shall be deemed to qualify (1)&#160;any other section of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> specifically referenced or cross-referenced and (2)&#160;other sections of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> 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 </font>
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          <font style="letter-spacing:0.2pt;">disclosure applies to such other sections, or (b)&#160;as disclosed in any Company Reports publicly filed with or furnished to the SEC by the Company after January&#160;1, 2021 and prior to the date hereof (but disregarding risk factor disclosures contained under the heading &#8220;Risk Factors,&#8221; or disclosures of risks set forth in any &#8220;forward-looking statements&#8221; 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: </font>
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          <font style="letter-spacing:0.2pt;">3.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Corporate Organization</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Federal Reserve Board</font><font style="letter-spacing:0.2pt;">&#8221;) under the Bank Holding Company Act of 1956, as amended (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">BHC Act</font><font style="letter-spacing:0.2pt;">&#8221;). 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Material Adverse Effect</font><font style="letter-spacing:0.2pt;">&#8221; 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)&#160;the business, assets, results of operations or financial condition of such party and its Subsidiaries taken as a whole (</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that, with respect to this clause (i), Material Adverse Effect shall not be deemed to include the impact of (A)&#160;changes, after the date hereof, in U.S. generally accepted accounting principles (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">GAAP</font><font style="letter-spacing:0.2pt;">&#8221;) or applicable regulatory accounting requirements or interpretations thereof by courts or Governmental Entities, (B)&#160;changes, after the date hereof, in laws, rules or regulations of general applicability to companies in the industries in which such party and its Subsidiaries operate, or interpretations thereof by courts or Governmental Entities, (C)&#160;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)&#160;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)&#160;public disclosure of the execution of this Agreement, public disclosure or (except in the case of the representations contained in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;3.3(b)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.4</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.11(j)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.3(b)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.4</font><font style="letter-spacing:0.2pt;">) consummation of the transactions contemplated hereby (including any effect on a party&#8217;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)&#160;a decline in the trading price of a party&#8217;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)&#160;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)&#160;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)&#160;the ability of such party to consummate the transactions contemplated hereby. As used in this Agreement, the word &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Subsidiary</font><font style="letter-spacing:0.2pt;">&#8221; shall have the meaning ascribed to it in Section&#160;2(d) of the BHC Act. True and complete copies of the Charter of the Company (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Charter</font><font style="letter-spacing:0.2pt;">&#8221;) and Amended and Restated Bylaws of the Company (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Bylaws</font><font style="letter-spacing:0.2pt;">&#8221;), as in effect as of the date of this Agreement, have previously been made available by the Company to Parent. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, each Subsidiary of the Company (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Subsidiary</font><font style="letter-spacing:0.2pt;">&#8221;) (i)&#160;is duly organized and validly existing under the laws of its jurisdiction of organization, (ii)&#160;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)&#160;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">FDIC</font><font style="letter-spacing:0.2pt;">&#8221;) 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&#160;3.1(b) of the Company Disclosure Schedule sets forth a true and complete list of all Subsidiaries of the Company as of the date hereof. </font>
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          <font style="letter-spacing:0.2pt;">3.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Capitalization</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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&#160;24, 2023, there are (i)&#160;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)&#160;no shares of Company preferred stock issued and outstanding, (iii)&#160;92,865 shares of Company Common Stock reserved for issuance upon the exercise of outstanding Company Options, (iv)&#160;108,267 shares of Company Common Stock reserved for issuance upon the settlement of outstanding Company RSU Awards, and (v)&#160;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&#160;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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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&#160;3.2(b) 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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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 (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Liens</font><font style="letter-spacing:0.2pt;">&#8221;), 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. &#167;&#160;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, </font>
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          <font style="letter-spacing:0.2pt;">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>
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          <font style="letter-spacing:0.2pt;">3.3&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Authority; No Violation</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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&#8217;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Requisite Company Vote</font><font style="letter-spacing:0.2pt;">&#8221;), 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Enforceability Exceptions</font><font style="letter-spacing:0.2pt;">&#8221;)). </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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)&#160;assuming the Requisite Company Vote is obtained, violate any provision of the Company Charter or the Company Bylaws or (ii)&#160;assuming that the consents and approvals referred to in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.4</font><font style="letter-spacing:0.2pt;"> and the Requisite Company Vote are duly obtained, (x)&#160;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)&#160;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)&#160;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>
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          <font style="letter-spacing:0.2pt;">3.4&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Consents and Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except for (a)&#160;the filing of any required applications, filings and notices, as applicable, with the Nasdaq Stock Exchange, (b)&#160;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)&#160;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)&#160;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)&#160;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)&#160;the filing of any required applications, filings or notices with any state banking authorities listed on Section&#160;3.4 of the Company Disclosure Schedule or Section&#160;4.4 of the Parent Disclosure Schedule and approval of such </font>
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          <font style="letter-spacing:0.2pt;">applications, filings and notices, (g)&#160;the filing with the Securities and Exchange Commission (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SEC</font><font style="letter-spacing:0.2pt;">&#8221;) of a proxy statement in definitive form relating to the meeting of the Company&#8217;s shareholders to be held in connection with this Agreement and the transactions contemplated hereby (including any amendments or supplements thereto, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Proxy Statement</font><font style="letter-spacing:0.2pt;">&#8221;), and of the registration statement on Form 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">S-4</font><font style="letter-spacing:0.2pt;">&#8221;) and declaration by the SEC of the effectiveness of the S-4, (h)&#160;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)&#160;such filings and approvals as are required to be made or obtained under the securities or &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Blue Sky</font><font style="letter-spacing:0.2pt;">&#8221; laws of various states in connection with the issuance of the shares of Parent Common Stock pursuant to this Agreement and (j)&#160;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Governmental Entity</font><font style="letter-spacing:0.2pt;">&#8221;) are necessary in connection with (i)&#160;the execution and delivery by the Company of this Agreement or (ii)&#160;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>
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          <font style="letter-spacing:0.2pt;">3.5&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Reports</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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&#160;1, 2021 with (i)&#160;the Tennessee Secretary of State, the Tennessee Department of Financial Institutions and any other state regulatory authority, (ii)&#160;the SEC, (iii)&#160;the Federal Reserve Board, (iv)&#160;the FDIC, (v)&#160;any foreign regulatory authority and (vi)&#160;any self-regulatory organization (an &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SRO</font><font style="letter-spacing:0.2pt;">&#8221;) ((i)&#8201;&#8211;&#8201;(vi), collectively, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Regulatory Agencies</font><font style="letter-spacing:0.2pt;">&#8221;), including, without limitation, any report, registration or statement required to be filed or furnished pursuant to the laws, rules or regulations of the United States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments, either individually or in the aggregate, would not have a Material Adverse Effect on the Company. Except as set forth on Section&#160;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)&#160;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&#160;1, 2021, (ii)&#160;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)&#160;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&#160;1, 2021, in each case of clauses (i)&#160;through (iii), which would have, either individually or in the aggregate, a Material Adverse Effect on the Company. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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&#160;1, 2021 pursuant to the Securities Act of 1933, as amended (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Securities Act</font><font style="letter-spacing:0.2pt;">&#8221;), or the Exchange Act (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Reports</font><font style="letter-spacing:0.2pt;">&#8221;) 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&#160;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 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&#160;302 or 906 of the Sarbanes-Oxley Act of 2002 (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sarbanes-Oxley Act</font><font style="letter-spacing:0.2pt;">&#8221;). 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>
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          <font style="letter-spacing:0.2pt;">3.6&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Financial Statements</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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)&#160;have been prepared from, and are in accordance with, the books and records of the Company and its Subsidiaries, (ii)&#160;fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders&#8217; 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)&#160;complied, as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iv)&#160;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&#160;years prior to the date hereof. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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 10-K and Form 10-Q for the fiscal year and quarters ended December&#160;31, 2022, March&#160;31, 2023 and June&#160;30, 2023 (including any notes thereto) and for liabilities incurred in the ordinary course of business consistent with past practice since December&#160;31, 2022, or in connection with this Agreement and the transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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)&#160;has implemented and maintains disclosure controls and procedures (as defined in Rule&#160;13a-15(e) promulgated under the Securities Exchange Act of 1934, as amended (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Act</font><font style="letter-spacing:0.2pt;">&#8221;)) 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&#160;302 and 906 of the Sarbanes-Oxley Act, and (ii)&#160;has disclosed, based on its most recent evaluation prior to the date hereof, to the Company&#8217;s outside auditors and the audit committee of the Company&#8217;s Board of Directors (A)&#160;any significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule&#160;13a-15(f) promulgated under the Exchange Act) which are reasonably likely to adversely affect the Company&#8217;s ability to record, process, summarize and report financial information, and (B)&#160;any fraud, whether or not material, that involves management or other employees who have a significant role in the Company&#8217;s internal controls over financial reporting. These disclosures were made in writing by management to the Company&#8217;s auditor and audit committee. To the knowledge of the Company, there is no reason to believe that the Company&#8217;s outside auditors and its chief executive officer and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section&#160;404 of the Sarbanes-Oxley Act, without qualification, when next due. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;Since January&#160;1, 2021, (i)&#160;neither the Company nor any of its Subsidiaries, nor, to the knowledge of the Company, any director, officer, employee, auditor, accountant, attorney, advisor or </font>
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          <font style="letter-spacing:0.2pt;">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)&#160;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>
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          <font style="letter-spacing:0.2pt;">3.7&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Broker&#8217;s Fees</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;With the exception of the engagement of Morgan Stanley &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&#8217;s fees, commissions or finder&#8217;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 &amp; Co. LLC related to the Merger and the other transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">3.8&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Absence of Certain Changes or Events</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Since December&#160;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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except in connection with matters contemplated, required or permitted by this Agreement, since December&#160;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>
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          <font style="letter-spacing:0.2pt;">3.9&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Legal Proceedings</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as disclosed on Section&#160;3.9(a) 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&#160;3.9(a) 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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&#8217; insurance policies. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">3.10&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Taxes and Tax Returns</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">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)&#160;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)&#160;has any liability for the Taxes of any person (other than the Company or any of its Subsidiaries) under Treasury Regulations&#160;Section&#160;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)&#160;years, a &#8220;distributing corporation&#8221; or a &#8220;controlled corporation&#8221; &#8203;(within the meaning of Section&#160;355(a)(1)(A) of the Code) in a distribution of stock intending to qualify for tax-free treatment under Section&#160;355 of the Code. Neither the Company nor any of its Subsidiaries has participated in a &#8220;reportable transaction&#8221; within the meaning of Treasury Regulations Section&#160;1.6011-4(b)(1). At no time during the past five (5)&#160;years has the Company been a United States real property holding corporation within the meaning of Section&#160;897(c)(2) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;As used in this Agreement, the term &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tax</font><font style="letter-spacing:0.2pt;">&#8221; or &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Taxes</font><font style="letter-spacing:0.2pt;">&#8221; 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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;As used in this Agreement, the term &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tax Return</font><font style="letter-spacing:0.2pt;">&#8221; 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>
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          <font style="letter-spacing:0.2pt;">3.11&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Employees and Employee Benefit Plans</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Section&#160;3.11(a) of the Company Disclosure Schedule sets forth a true, correct and complete list of all Company Benefit Plans. For purposes of this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Benefit Plans</font><font style="letter-spacing:0.2pt;">&#8221; means all employee benefit plans (as defined in Section&#160;3(3) of the Employee Retirement Income Security Act of 1974, as amended (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ERISA</font><font style="letter-spacing:0.2pt;">&#8221;)), 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;The Company has heretofore made available to Parent true and complete copies of (i)&#160;each Company Benefit Plan, including any amendments thereto and all related trust documents, insurance contracts or other funding vehicles, and (ii)&#160;to the extent applicable, (A)&#160;the most recent summary plan description required under ERISA with respect to such Company Benefit Plan, (B)&#160;the most recent annual report (Form 5500) filed with the Internal Revenue Service (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">IRS</font><font style="letter-spacing:0.2pt;">&#8221;), (C)&#160;the most recently received IRS determination letter relating to such Company Benefit Plan, and (D)&#160;the most recently prepared actuarial report for each Company Benefit Plan. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;Section&#160;3.11(d) of the Company Disclosure Schedule identifies each Company Benefit Plan that is intended to be qualified under Section&#160;401(a) of the Code (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Qualified Plans</font><font style="letter-spacing:0.2pt;">&#8221;). 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>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;No Company Benefit Plan is subject to Section&#160;302 or Title IV of ERISA or Section&#160;412, 430 or 4971 of the Code, and during the immediately preceding six (6)&#160;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, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Controlled Group Liability</font><font style="letter-spacing:0.2pt;">&#8221; means any and all liabilities (i)&#160;under Title IV of ERISA, (ii)&#160;under Section&#160;302 of ERISA, (iii)&#160;under Sections&#160;412 and 4971 of the Code, or (iv)&#160;as a result of a failure to comply with the continuing coverage requirements of Section&#160;601 </font><font style="font-style:italic;letter-spacing:0.2pt;">et seq.</font><font style="letter-spacing:0.2pt;"> of ERISA and Section&#160;4980B of the Code. For purposes of this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ERISA Affiliate</font><font style="letter-spacing:0.2pt;">&#8221; 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&#160;414(b), (c), (m)&#160;or (o)&#160;of the Code or Section&#160;4001(b)(1) 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 &#8220;controlled group&#8221; as the first entity, trade or business pursuant to Section&#160;4001(a)(14) of ERISA. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;None of the Company, any of its Subsidiaries or any of their respective ERISA Affiliates has, at any time during the last six (6)&#160;years, sponsored, maintained, contributed to or been obligated to contribute to (i)&#160;any plan that is a &#8220;multiemployer plan&#8221; within the meaning of Section&#160;4001(a)(3) of ERISA (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Multiemployer Plan</font><font style="letter-spacing:0.2pt;">&#8221;), (ii)&#160;a plan that has two or more contributing sponsors, at least two of whom are not under common control, within the meaning of Section&#160;4063 of ERISA (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Multiple Employer Plan</font><font style="letter-spacing:0.2pt;">&#8221;), or (iii)&#160;a plan that is subject to Section&#160;302 or Title IV of ERISA or Section&#160;412, 430 or 4971 of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;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&#160;4980B of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(j)&nbsp;&nbsp;&nbsp;Except as set forth on Section&#160;3.11(j) 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)&#160;result in, cause the vesting, exercisability or delivery of, cause the Company or any of its Subsidiaries to transfer or set aside any </font>
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          <font style="letter-spacing:0.2pt;">assets to fund any material benefits under any Company Benefit Plan, (ii)&#160;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)&#160;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)&#160;result in any payment or benefit that may, individually or in combination with any other such payment, be characterized as an &#8220;excess parachute payment&#8221; within the meaning of Section&#160;280G(b)(1) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(k)&nbsp;&nbsp;&nbsp;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&#160;409A or 4999 of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(l)&nbsp;&nbsp;&nbsp;Each Company Benefit Plan that is a &#8220;nonqualified deferred compensation plan&#8221; &#8203;(as defined in Section&#160;409A(d)(1) of the Code) and any award thereunder, in each case that is subject to Section&#160;409A of the Code, has (i)&#160;since January&#160;1, 2005, been maintained and operated, in all material respects, in good faith compliance with Section&#160;409A of the Code and IRS Notice 2005-1 and (ii)&#160;since January&#160;1, 2009, been, in all material respects, in documentary and operational compliance with Section&#160;409A of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(m)&nbsp;&nbsp;&nbsp;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 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>
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          <font style="letter-spacing:0.2pt;">(n)&nbsp;&nbsp;&nbsp;The Company and its Subsidiaries are in compliance in all material respects with, and since December&#160;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 ordiscrimination, workers&#8217; 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>
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          <font style="letter-spacing:0.2pt;">(o)&nbsp;&nbsp;&nbsp;(i) 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&#160;31, 2019 against any Company Insiders, (ii)&#160;since December&#160;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)&#160;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>
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          <font style="letter-spacing:0.2pt;">3.12&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Compliance with Applicable Law</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Company and each of its Subsidiaries hold, and have held at all times since January&#160;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 </font>
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          <font style="letter-spacing:0.2pt;">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&#160;B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation&#160;Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund&#160;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&#160;X, and any other law relating to bank secrecy, discriminatory lending, financing or leasing practices, money laundering prevention, Sections&#160;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 &#8220;satisfactory&#8221; 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)&#160;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)&#160;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)&#160;violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (d)&#160;established or maintained any unlawful fund of monies or other assets of the Company or any of its Subsidiaries, (e)&#160;made any fraudulent entry on the books or records of the Company or any of its Subsidiaries, or (f)&#160;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>
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          <font style="letter-spacing:0.2pt;">3.13&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certain Contracts</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as set forth in Section&#160;3.13(a) 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)&#160;which is a &#8220;material contract&#8221; (as such term is defined in Item&#160;601(b)(10) of Regulation&#160;S-K of the SEC), (ii)&#160;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)&#160;any exclusivity or exclusive dealing provisions with such an effect or (b)&#160;any geographic restrictions and preferential arrangements), (iii)&#160;with or to a labor union or guild (including any collective bargaining agreement), (iv)&#160;other than extensions of credit (all of which extensions of credit have been made in compliance with Company Bank&#8217;s credit policy manual and all applicable laws, statutes, rules 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)&#160;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)&#160;for any joint venture, partnership or similar agreement material to the Company or its Subsidiaries, (vii)&#160;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)&#160;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)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.13(a)</font><font style="letter-spacing:0.2pt;"> (excluding any Company Benefit Plan), whether or not set forth in the Company Disclosure Schedule, is referred to herein as a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Contract</font><font style="letter-spacing:0.2pt;">,&#8221; and neither the Company nor any of its Subsidiaries knows of, or has received notice of, any violation of </font>
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          <font style="letter-spacing:0.2pt;">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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;In each case, except as, either individually or in the aggregate, would not have a Material Adverse Effect on the Company, (i)&#160;each Company Contract is valid and binding on the Company or one of its Subsidiaries, as applicable, and in full force and effect, (ii)&#160;the Company and each of its Subsidiaries has performed all obligations required to be performed by it to date under each Company Contract, (iii)&#160;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)&#160;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>
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          <font style="letter-spacing:0.2pt;">3.14&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Agreements with Regulatory Agencies</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#160;1, 2021, a recipient of any supervisory letter from, or since January&#160;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 Company Disclosure Schedule, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Regulatory Agreement</font><font style="letter-spacing:0.2pt;">&#8221;), nor has the Company or any of its Subsidiaries been advised in writing or, to the knowledge of the Company, otherwise since January&#160;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>
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          <font style="letter-spacing:0.2pt;">3.15&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Risk Management Instruments</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">3.16&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Environmental Matters</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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)&#160;the protection or restoration of the environment, health and safety as it relates to hazardous substance exposure or natural resource damages, (b)&#160;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance, or (c)&#160;noise, odor, wetlands, indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous substance (collectively, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Environmental Laws</font><font style="letter-spacing:0.2pt;">&#8221;). 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>
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          <font style="letter-spacing:0.2pt;">3.17&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Investment Securities and Commodities</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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&#160;1, 2021. </font>
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          <font style="letter-spacing:0.2pt;">3.18&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Real Property</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Owned Properties</font><font style="letter-spacing:0.2pt;">&#8221;), free and clear of all Liens, except (i)&#160;statutory Liens securing payments not yet due, (ii)&#160;Liens for real property Taxes not yet due and payable, (iii)&#160;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)&#160;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)&#160;through (iv), collectively, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Permitted Encumbrances</font><font style="letter-spacing:0.2pt;">&#8221;), and (b)&#160;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Real Property</font><font style="letter-spacing:0.2pt;">&#8221;), 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>
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          <font style="letter-spacing:0.2pt;">3.19&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Intellectual Property</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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)&#160;(i)&#160;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)&#160;since January&#160;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)&#160;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)&#160;since January&#160;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)&#160;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, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Intellectual Property</font><font style="letter-spacing:0.2pt;">&#8221; 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>
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          <font style="letter-spacing:0.2pt;">3.20&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Related Party Transactions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;There are no transactions or series of related transactions, agreements, arrangements or understandings, nor are there any currently proposed transactions or series of </font>
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          <font style="letter-spacing:0.2pt;">related transactions of the type required to be reported in any Company Report pursuant to Item&#160;404 of Regulation&#160;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 &#8220;executive officer&#8221; &#8203;(as defined in Rule&#160;3b-7 under the Exchange Act) of the Company or any of its Subsidiaries or any person who beneficially owns (as defined in Rules 13d-3 and 13d-5 of the Exchange Act) 5% or more of the outstanding Company Common Stock (or any of such person&#8217;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>
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          <font style="letter-spacing:0.2pt;">3.21&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">State Takeover Laws</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 &#167;&#160;48-103 of the TBCA and any similar &#8220;moratorium,&#8221; &#8220;control share,&#8221; &#8220;fair price,&#8221; &#8220;takeover&#8221; or &#8220;interested shareholder&#8221; law (any such laws, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Takeover Statutes</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">3.22&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Reorganization</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">3.23&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Opinion of Financial Advisor</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 &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>
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          <font style="letter-spacing:0.2pt;">3.24&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Information</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 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>
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          <font style="letter-spacing:0.2pt;">3.25&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Loan Portfolio</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Loans</font><font style="letter-spacing:0.2pt;">&#8221;) of the Company and its Subsidiaries (i)&#160;is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii)&#160;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)&#160;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)&#160;has been made in the ordinary course of business, consistent with past practice, and in accordance with Company Bank&#8217;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)&#160;was not over ninety (90) days or more delinquent in payment of principal or interest as of June&#160;30, 2023, is as of the date hereof over ninety (90) days or more delinquent in payment of principal or interest, or (B)&#160;was not classified by the Company as &#8220;Other Loans Specially Mentioned,&#8221; &#8220;Special Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import, as of June&#160;30, 2023, is as of the date hereof so classified. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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&#160;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>
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          <font style="letter-spacing:0.2pt;">3.26&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Insurance</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not have, either individually or in the aggregate, a Material Adverse Effect on the Company: (a)&#160;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)&#160;the Company and its Subsidiaries are in compliance with their insurance policies and are not in default under any of the terms thereof, (c)&#160;each such policy is outstanding and in full force and effect, (d)&#160;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)&#160;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&#160;3.26 sets forth a true and correct listing of all Company and its Subsidiary insurance policies, carriers, coverage limits, premiums and deductibles. </font>
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          <font style="letter-spacing:0.2pt;">3.27&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Information Security</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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&#160;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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;The Company and its Subsidiaries have implemented backup and disaster recovery technology reasonably consistent with industry standards and practices. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">3.28&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Trust Business</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">3.29&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Mortgage Banking Activities</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Since January&#160;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)&#160;no Mortgage Loans were originated by any person other than the Company or one of its Subsidiaries; (iii)&#160;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)&#160;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 </font>
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          <font style="letter-spacing:0.2pt;">Contract or otherwise. &#8220;Mortgage Loan&#8221; means any and all Loans secured by one (1)&#160;to four (4)&#160;family residential properties, mixed use properties (but only to the extent subject to the United States Department of Housing and Urban Development&#8217;s 203(k) program), Loans secured by interests in cooperatives, condominium&#160;units and&#160;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>
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          <font style="letter-spacing:0.2pt;">3.30&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">No Other Representations or Warranties.</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except for the representations and warranties made by the Company in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;">, 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)&#160;any financial projection, forecast, estimate, budget or prospective information relating to the Company, any of its Subsidiaries or their respective businesses, or (ii)&#160;except for the representations and warranties made by the Company in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;">, 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE IV </font>
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          <font style="letter-spacing:-0.2pt;">REPRESENTATIONS AND WARRANTIES OF PARENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Except (a)&#160;as disclosed in the disclosure schedule delivered by Parent to the Company concurrently herewith (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Disclosure Schedule</font><font style="letter-spacing:0.2pt;">&#8221;); </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that (i)&#160;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)&#160;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)&#160;any disclosures made with respect to a section of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;"> shall be deemed to qualify (1)&#160;any other section of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;"> specifically referenced or cross-referenced and (2)&#160;other sections of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;"> 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)&#160;as disclosed in any Parent Reports publicly filed with or furnished to the SEC by Parent after January&#160;1, 2021 and prior to the date hereof (but disregarding risk factor disclosures contained under the heading &#8220;Risk Factors,&#8221; or disclosures of risks set forth in any &#8220;forward-looking statements&#8221; 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: </font>
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          <font style="letter-spacing:0.2pt;">4.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Corporate Organization</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Articles</font><font style="letter-spacing:0.2pt;">&#8221;) and the Bylaws of Parent (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Bylaws</font><font style="letter-spacing:0.2pt;">&#8221;), as in effect as of the date of this Agreement, have previously been made available by Parent to the Company. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except, as would not, either individually or in the aggregate, have a Material Adverse Effect on Parent, each Subsidiary of Parent (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Subsidiary</font><font style="letter-spacing:0.2pt;">&#8221;) (i)&#160;is duly organized and validly existing under the laws of its jurisdiction of organization, (ii)&#160;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)&#160;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)&#160;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)&#160;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>
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          <font style="letter-spacing:0.2pt;">4.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Capitalization</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Preferred Stock</font><font style="letter-spacing:0.2pt;">&#8221;). As of October&#160;25, 2023, there are (i)&#160;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)&#160;230,500 shares of Parent Preferred Stock issued and outstanding, and (iii)&#160;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&#160;25, 2023, resulting from the exercise, vesting or settlement of any Parent restricted stock&#160;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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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)&#160;and (iv)&#160;of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.2(a)</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Except as set forth on Parent Disclosure Schedule&#160;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. &#167;&#160;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>
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          <font style="letter-spacing:0.2pt;">4.3&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Authority; No Violation</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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. </font>
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          <font style="letter-spacing:0.2pt;">Except for the adoption and approval of the Bank Merger Agreement by Parent as Parent Bank&#8217;s sole shareholder (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Approval</font><font style="letter-spacing:0.2pt;">&#8221;), 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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)&#160;violate any provision of the Parent Articles, the Parent Bylaws, or (ii)&#160;assuming that the consents and approvals referred to in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.4</font><font style="letter-spacing:0.2pt;"> and the Parent Approval is duly obtained, (x)&#160;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)&#160;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)&#160;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>
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          <font style="letter-spacing:0.2pt;">4.4&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Consents and Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except for (a)&#160;the filing of applications, filings and notices, as applicable, with the Nasdaq Stock Exchange, (b)&#160;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)&#160;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)&#160;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)&#160;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)&#160;the filing of any required applications, filings or notices with any state banking authorities listed on Section&#160;3.4 of the Company Disclosure Schedule or Section&#160;4.4 of the Parent Disclosure Schedule and approval of such applications, filings and notices, (g)&#160;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)&#160;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)&#160;such filings and approvals as are required to be made or obtained under the securities or &#8220;Blue Sky&#8221; laws of various states in connection with the issuance of the shares of Parent Common Stock pursuant to this Agreement and (j)&#160;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)&#160;the execution and delivery by Parent of this Agreement or (ii)&#160;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>
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          <font style="letter-spacing:0.2pt;">4.5&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Reports</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">since January&#160;1, 2021 with any Regulatory Agency, including, without limitation, any report, registration or statement required to be filed pursuant to the laws, rules or regulations of the United States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments, either individually or in the aggregate, would not have a Material Adverse Effect on Parent. Except as set forth on Section&#160;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)&#160;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&#160;1, 2021, (ii)&#160;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)&#160;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&#160;1, 2021, in each case of clauses (i)&#160;through (iii), which would have, either individually or in the aggregate, a Material Adverse Effect on Parent. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;An accurate copy of each final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished to the SEC since January&#160;1, 2021 by Parent pursuant to the Securities Act or the Exchange Act (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Reports</font><font style="letter-spacing:0.2pt;">&#8221;) 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&#160;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 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&#160;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>
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          <font style="letter-spacing:0.2pt;">4.6&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Financial Statements</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;The financial statements of Parent and its Subsidiaries included (or incorporated by reference) in the Parent Reports (including the related notes, where applicable) (i)&#160;have been prepared from, and are in accordance with, the books and records of Parent and its Subsidiaries, (ii)&#160;fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders&#8217; 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)&#160;complied, as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iv)&#160;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&#160;years prior to the date hereof. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">the consolidated balance sheet of Parent included in its Annual Report on Form 10-K for the year ended December&#160;31, 2022 (including any notes thereto) and for liabilities incurred in the ordinary course of business consistent with past practice since December&#160;31, 2022, or in connection with this Agreement and the transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">4.7&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Absence of Certain Changes or Events</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Since December&#160;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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as set forth on Section&#160;4.7(b) of the Parent Disclosure Schedule and in connection with matters contemplated, required or permitted by this Agreement, since December&#160;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>
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          <font style="letter-spacing:0.2pt;">4.8&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Legal Proceedings</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as disclosed on Section&#160;4.8(a) 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">4.9&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Taxes and Tax Returns</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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)&#160;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)&#160;has any liability for the Taxes of any person (other than Parent or any of its Subsidiaries) under Treasury Regulations&#160;Section&#160;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)&#160;years, a &#8220;distributing corporation&#8221; or a &#8220;controlled corporation&#8221; &#8203;(within the meaning of Section&#160;355(a)(1)(A) of the Code) in a distribution of stock intending to qualify for tax-free treatment under Section&#160;355 of the Code. Neither Parent nor any of its Subsidiaries has participated in a &#8220;reportable transaction&#8221; within the meaning of Treasury Regulations&#160;Section&#160;1.6011-4(b)(1). At no time during the past five (5)&#160;years has Parent been a United States real property holding corporation within the meaning of Section&#160;897(c)(2) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">4.10&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Compliance with Applicable Law</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Parent and each of its Subsidiaries hold, and have held at all times since January&#160;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 </font>
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          <font style="letter-spacing:0.2pt;">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&#160;B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation&#160;Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund&#160;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&#160;X, and any other law relating to bank secrecy, discriminatory lending, financing or leasing practices, money laundering prevention, Sections&#160;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 &#8220;satisfactory&#8221; 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)&#160;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)&#160;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)&#160;violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (d)&#160;established or maintained any unlawful fund of monies or other assets of Parent or any of its Subsidiaries, (e)&#160;made any fraudulent entry on the books or records of Parent or any of its Subsidiaries, or (f)&#160;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>
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          <font style="letter-spacing:0.2pt;">4.11&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Agreements with Regulatory Agencies</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#160;1, 2021, a recipient of any supervisory letter from, or since January&#160;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Regulatory Agreement</font><font style="letter-spacing:0.2pt;">&#8221;), nor has Parent or any of its Subsidiaries been advised in writing or, to the knowledge of Parent, otherwise since January&#160;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>
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          <font style="letter-spacing:0.2pt;">4.12&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Reorganization</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">4.13&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Information</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 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 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>
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          <font style="letter-spacing:0.2pt;">4.14&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">No Other Representations or Warranties</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except for the representations and warranties made by Parent in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">, 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)&#160;any financial projection, forecast, estimate, budget or prospective information relating to Parent, any of its Subsidiaries or their respective businesses, or (ii)&#160;except for the representations and warranties made by Parent in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">, 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE V </font>
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          <font style="letter-spacing:-0.2pt;">COVENANTS RELATING TO CONDUCT OF BUSINESS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">5.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conduct of Business Prior to the Effective Time</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#160;5.1 or Section&#160;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)&#160;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)&#160;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>
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          <font style="letter-spacing:0.2pt;">5.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Forbearances</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#160;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>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2</font><font style="letter-spacing:0.2pt;">); </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;adjust, split, combine or reclassify any capital stock; </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;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)&#160;dividends paid by any of the Subsidiaries of the Company to the Company or any of its wholly owned Subsidiaries, (B)&#160;subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.9</font><font style="letter-spacing:0.2pt;">, 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)&#160;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>
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          <font style="letter-spacing:0.2pt;">(iii)&nbsp;&nbsp;&nbsp;grant any stock options, stock appreciation rights, performance shares, restricted stock&#160;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>
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          <font style="letter-spacing:0.2pt;">(iv)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;except in the ordinary course of business (i)&#160;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)&#160;or enter into any contract that would constitute a Company Contract if it were in effect on the date of this Agreement; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;except as contemplated by the terms of any Company Benefit Plan, (i)&#160;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Key Employee</font><font style="letter-spacing:0.2pt;">&#8221;), (ii)&#160;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&#160;percentage set forth in Section&#160;5.2(f) of the Company Disclosure Schedule, (iii)&#160;accelerate the vesting of any equity-based awards or other compensation, (iv)&#160;fund any rabbi trust or similar arrangement, (v)&#160;terminate the employment or services of any Key Employee, other than for cause, or (vi)&#160;hire any Key Employee, other than as a replacement hire receiving substantially similar terms of employment; </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">A-28</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a><a name="t5FDT1">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">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>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;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 &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code; </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;amend the Company Charter or Company Bylaws or comparable governing documents of its Subsidiaries; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(j)&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(k)&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(l)&nbsp;&nbsp;&nbsp;take any action that is intended or expected to result in any of the conditions to the Merger set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.1</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.2</font><font style="letter-spacing:0.2pt;"> not being satisfied; </font>
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          <font style="letter-spacing:0.2pt;">(m)&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(n)&nbsp;&nbsp;&nbsp;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&#8217;s credit policy or any change in the maximum ratio or similar limits as a&#160;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(o)&nbsp;&nbsp;&nbsp;make, or commit to make, any capital expenditures (other than those set forth in the Company&#8217;s capital budget which has been made available to Parent) in excess of $100,000 individually or $250,000 in the aggregate; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(p)&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(q)&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2.</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(r)&nbsp;&nbsp;&nbsp;other than in consultation with Parent, undertake any response, action, or customer or public communication with regard to (i)&#160;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&#8217;s or its Subsidiaries&#8217; customers, or (ii)&#160;any ransomware event; or </font>
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          <font style="letter-spacing:0.2pt;">(s)&nbsp;&nbsp;&nbsp;other than in consultation with Parent, schedule, conduct, or participate in any earnings calls or analyst meetings. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">5.3&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent Forbearances</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#160;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>
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          <font style="letter-spacing:0.2pt;">A-29</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a><a name="tARVI">&#8203;</a><a name="t61MA">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;(i) adjust, split, combine or reclassify any capital stock of Parent, or (ii)&#160;make, declare or pay any extraordinary dividend, or make any other extraordinary distribution on, any shares of Parent Common Stock; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;merge or consolidate itself or any of its Subsidiaries that are &#8220;significant subsidiaries&#8221; within the meaning of Rule&#160;1-02 of Regulation&#160;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;take any action that is intended or expected to result in any of the conditions to the Merger set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.1</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.3</font><font style="letter-spacing:0.2pt;"> not being satisfied; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;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 &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code; or </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.3</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE VI </font>
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          <font style="letter-spacing:-0.2pt;">ADDITIONAL AGREEMENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">6.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Regulatory Matters</font><font style="letter-spacing:0.2pt;">. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 &#8220;Blue Sky&#8221; 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">A-30</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a><a name="t6TI">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Materially Burdensome Regulatory Condition</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Requisite Regulatory Approvals</font><font style="letter-spacing:0.2pt;">&#8221; shall mean all regulatory authorizations, consents, orders or approvals (and the expiration or termination of all statutory waiting periods in respect thereof) from (i)&#160;the Federal Reserve Board, the Office of the Comptroller of the Currency and the Tennessee Department of Financial Institutions (ii)&#160;any other approvals set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;3.4</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.4</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">6.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Access to Information</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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)&#160;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 </font>
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          <font style="letter-spacing:0.2pt;">reports or documents that the Company is not permitted to disclose under applicable law), and (ii)&#160;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&#8217;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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Each of Parent and the Company shall hold all information furnished by or on behalf of the other party or any of such party&#8217;s Subsidiaries or representatives pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.2(a)</font><font style="letter-spacing:0.2pt;"> in confidence to the extent required by, and in accordance with, the provisions of the confidentiality agreement, dated September&#160;22, 2023, between Parent and the Company (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Confidentiality Agreement</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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&#8217; respective operations. </font>
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          <font style="letter-spacing:0.2pt;">6.3&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Approvals of Company Shareholders</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Company shall call, give notice of, establish a record date, convene and hold a meeting of its shareholders (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Meeting</font><font style="letter-spacing:0.2pt;">,&#8221;) 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&#8217;s shareholders in favor of the Company Merger. However, subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;">, 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; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that the Board of Directors of the Company may not take any of the actions under this sentence unless (i)&#160;it gives Parent at least ten (10) business days&#8217; 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)&#160;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. &#8220;Superior Proposal&#8221; 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)&#160;after receiving the advice of its financial advisor, (2)&#160;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)&#160;after taking into account all </font>
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          <font style="letter-spacing:0.2pt;">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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Superior Proposal</font><font style="letter-spacing:0.2pt;">&#8221;, the references to twenty five&#160;percent (25%) in the definition of Acquisition Proposal shall be deemed to be references to fifty one&#160;percent (51%) or more. Any material amendment to any Acquisition Proposal will be deemed to be a new Acquisition Proposal for purposes of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.3</font><font style="letter-spacing:0.2pt;"> and will require a new notice period as referred to in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.3</font><font style="letter-spacing:0.2pt;">. 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>
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          <font style="letter-spacing:0.2pt;">6.4&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Legal Conditions to Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject in all respects to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.1</font><font style="letter-spacing:0.2pt;"> of this Agreement, each of Parent and the Company shall, and shall cause its Subsidiaries to, use their reasonable best efforts (a)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;VII</font><font style="letter-spacing:0.2pt;">, to consummate the transactions contemplated by this Agreement, and (b)&#160;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>
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          <font style="letter-spacing:0.2pt;">6.5&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Stock Exchange Listing</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">6.6&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Employee Matters</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Continuing Employees</font><font style="letter-spacing:0.2pt;">&#8221;) for at least one year following the Effective Time (i)&#160;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)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.6(a)</font><font style="letter-spacing:0.2pt;">, 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&#8217;s existing severance pay plan that are no less favorable than those offered to similarly situated employees of Parent. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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)&#160;the target opportunity and (ii)&#160;actual performance with respect to pro&#160;rata performance metrics. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">New Plans</font><font style="letter-spacing:0.2pt;">&#8221;), Parent shall: (i)&#160;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)&#160;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)&#160;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; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;If requested by Parent in writing at least twenty (20) business days prior to the Effective Time, the Company shall cause any 401(k) plan sponsored or maintained by the Company or any of its Subsidiaries (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company 401(k) Plan</font><font style="letter-spacing:0.2pt;">&#8221;) 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) Plan be terminated, (i)&#160;Company shall provide Parent with evidence that such plan has been terminated not later than two (2)&#160;business days immediately preceding the Effective Time, and (ii)&#160;the Continuing Employees shall be eligible to participate, effective as of the Effective Time, in a 401(k) plan sponsored or maintained by Parent or one of its Subsidiaries (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Parent 401(k) Plan</font><font style="letter-spacing:0.2pt;">&#8221;). 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) Plan of &#8220;eligible rollover distributions&#8221; &#8203;(with the meaning of Section&#160;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) Plan for the year in which the Effective Time occurs or any prior year. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;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)&#160;establish, amend, or modify any Company Benefit Plan, New Plan or any other benefit or employment plan, program, agreement or arrangement, or (ii)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.11</font><font style="letter-spacing:0.2pt;">, 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>
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          <font style="letter-spacing:0.2pt;">6.7&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Indemnification; Directors&#8217; and Officers&#8217; Insurance</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Indemnified Parties</font><font style="letter-spacing:0.2pt;">&#8221;) against any costs or expenses (including reasonable attorneys&#8217; 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 </font>
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          <font style="letter-spacing:0.2pt;">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; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;For a period of six (6)&#160;years after the Effective Time, Parent shall maintain in effect the current policies of directors&#8217; and officers&#8217; liability insurance maintained by the Company (</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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); </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Premium Cap</font><font style="letter-spacing:0.2pt;">&#8221;), 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 &#8220;tail&#8221; policy under the Company&#8217;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 &#8220;tail policy,&#8221; Parent shall maintain such &#8220;tail policy&#8221; in full force and effect and continue to honor its obligations thereunder. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;The obligations of Parent and the Company under this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7</font><font style="letter-spacing:0.2pt;"> 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7</font><font style="letter-spacing:0.2pt;"> without the prior written consent of the affected Company Indemnified Party or affected person. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;The provisions of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7</font><font style="letter-spacing:0.2pt;"> 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7</font><font style="letter-spacing:0.2pt;"> 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">6.8&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Additional Agreements</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">6.9&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Dividends</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">6.10&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Advice of Changes</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Parent and the Company (in such capacity, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Notifying Party</font><font style="letter-spacing:0.2pt;">&#8221;) shall each promptly advise the other party of any change, circumstance, condition, occurrence, development, or event (i)&#160;that has had or is reasonably likely to have a Material Adverse Effect on the Notifying Party or (ii)&#160;which the Notifying Party believes would or would be reasonably likely to cause or constitute a material breach of any of the Notifying Party&#8217;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, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.1</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.3</font><font style="letter-spacing:0.2pt;">, or if the Company is the Notifying Party, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.1</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.2</font><font style="letter-spacing:0.2pt;">; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.10</font><font style="letter-spacing:0.2pt;"> or the failure of any condition set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.2</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.3</font><font style="letter-spacing:0.2pt;"> 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.2</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.3</font><font style="letter-spacing:0.2pt;"> to be satisfied. </font>
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          <font style="letter-spacing:0.2pt;">6.11&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Acquisition Proposals</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Representatives</font><font style="letter-spacing:0.2pt;">&#8221;) not to, directly or indirectly, (i)&#160;initiate, solicit, knowingly encourage or knowingly facilitate inquiries or proposals with respect to any Acquisition Proposal, (ii)&#160;engage or participate in any negotiations with any person concerning any Acquisition Proposal, or (iii)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.11(a)</font><font style="letter-spacing:0.2pt;">; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.11(a)</font><font style="letter-spacing:0.2pt;">, it may, and may permit its Subsidiaries and its and its Subsidiaries&#8217; 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; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">further</font><font style="letter-spacing:0.2pt;">, 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Acceptable Confidentiality Agreement</font><font style="letter-spacing:0.2pt;">&#8221;), 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)&#160;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 &#8220;data room&#8221; &#8203;(virtual or physical) that was established in connection with an Acquisition Proposal. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;As used in this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Acquisition Proposal</font><font style="letter-spacing:0.2pt;">&#8221; shall mean, other than the transactions contemplated by this Agreement, any offer, proposal or inquiry relating to, or any third party indication </font>
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          <font style="letter-spacing:0.2pt;">of interest in, (i)&#160;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)&#160;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)&#160;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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;Nothing contained in this Agreement shall prevent the Company or its Board of Directors from complying with Rules 14d-9 and 14e-2 under the Exchange Act or Item&#160;1012(a) of Regulation&#160;M-A with respect to an Acquisition Proposal or from making any legally required disclosure to the Company&#8217;s shareholders; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that such Rules will in no way eliminate or modify the effect that any action pursuant to such Rules would otherwise have under this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">6.12&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Public Announcements</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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)&#160;as required by applicable law or the rules 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)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.12</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">6.13&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Change of Method</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;I</font><font style="letter-spacing:0.2pt;">), if and to the extent they both deem such change to be necessary, appropriate or desirable; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that no such change shall (a)&#160;alter or change the Exchange Ratio, (b)&#160;adversely affect the Tax treatment of the Company&#8217;s shareholders or Parent&#8217;s shareholders pursuant to this Agreement, (c)&#160;adversely affect the Tax treatment of the Company or Parent pursuant to this Agreement or (d)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.2</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">6.14&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Takeover Statutes</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">6.15&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exemption from Liability under Section&#160;16(b)</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#160;16(a) of the Exchange Act (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Company Insiders</font><font style="letter-spacing:0.2pt;">&#8221;), both prior to and after the Effective Time, it is desirable that Company Insiders not be subject to a risk of liability under Section&#160;16(b) of the Exchange Act to the fullest extent permitted by applicable law in connection with the conversion of shares of Company Common Stock and Company Equity Awards in the Merger, and for that compensatory and retentive purpose agree to the provisions of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.15</font><font style="letter-spacing:0.2pt;">. The Board of Directors of Parent and </font>
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          <font style="letter-spacing:0.2pt;">of the Company, or a committee of non-employee directors thereof (as such term is defined for purposes of Rule&#160;16b-3(d) 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&#160;16(a) of the Exchange Act, in each case pursuant to the transactions contemplated by this Agreement, to be exempt from liability pursuant to Rule&#160;16b-3 under the Exchange Act to the fullest extent permitted by applicable law. </font>
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          <font style="letter-spacing:0.2pt;">6.16&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Shareholder Litigation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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)&#160;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)&#160;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&#8217;s prior written consent (such consent not to be unreasonably withheld, conditioned or delayed). </font>
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          <font style="letter-spacing:0.2pt;">6.17&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Assumption of Company Debt</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#8217;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&#160;29, 2020, by and between the Company and UMB Bank, National Association, as trustee. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">6.18&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Transfer Agent Certificate</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Company shall use its reasonable best efforts to provide a customary certificate to Parent from the Company&#8217;s transfer agent certifying the number of shares of Company Common Stock outstanding as of a date that is no earlier than three (3)&#160;business days before the Closing Date. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">6.19&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certain Loans</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Prior to making, renewing or otherwise modifying any of the following types of Loans, the Company shall inform Parent: (A)&#160;Loans to any person or entity if immediately after making such Loan, such Loan is risk rated &#8220;7&#8221; or worse by the Company (which includes all &#8220;criticized&#8221; and &#8220;classified&#8221; Loans) and is in the amount of $2,500,000 or greater, and (B)&#160;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>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">6.20&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">280G Matters</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Parent and Company shall work together in good faith to address any potential Tax resulting from Section&#160;280G of the Code, to the extent applicable. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE VII</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">CONDITIONS PRECEDENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">7.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conditions to Each Party&#8217;s Obligation to Effect the Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Shareholder Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement shall have been approved by the shareholders of the Company by the Requisite Company Vote. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">A-38</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a><a name="t7TOO">&#8203;</a>
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        <div style="margin-left:20pt; text-indent:20pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Stock Exchange Listing</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Regulatory Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">S-4</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">No Injunctions or Restraints; Illegality</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">7.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conditions to Obligations of Parent</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Representations and Warranties</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The representations and warranties of the Company set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections</font><font style="letter-spacing:0.2pt;"> </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.2(a</font><font style="letter-spacing:0.2pt;">), and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.8(a)</font><font style="letter-spacing:0.2pt;"> (in each case after giving effect to the lead-in to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;">) shall be true and correct (other than, in the case of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.2(a)</font><font style="letter-spacing:0.2pt;">, such failures to be true and correct as are </font><font style="font-style:italic;letter-spacing:0.2pt;">de minimis</font><font style="letter-spacing:0.2pt;">) 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;3.1</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.2(b)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.2(c)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.3(a)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.7</font><font style="letter-spacing:0.2pt;"> (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; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Performance of Obligations of the Company</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Federal Tax Opinion</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) 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>
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          <font style="letter-spacing:0.2pt;">A-39</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a><a name="t7TOO1">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Material Adverse Effect</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Minimum Adjusted Tangible Shareholder&#8217;s Equity Value</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Adjusted Tangible Shareholder&#8217;s Equity of the Company shall be greater than or equal to the Minimum Adjusted Tangible Shareholder&#8217;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. &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Adjusted Tangible Shareholder&#8217;s Equity</font><font style="letter-spacing:0.2pt;">&#8221; shall mean, as of the month end prior to five business days before the Closing Date (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Measuring Date</font><font style="letter-spacing:0.2pt;">&#8221;), the consolidated shareholders&#8217; equity of the Company as set forth on its balance sheet on the Measuring Date calculated in accordance with GAAP, (i)&#160;minus all intangible assets as of the Measuring Date, and (ii)&#160;excluding the change in accumulated other comprehensive income / (loss), net of Tax, since September&#160;30, 2023, and (iii)&#160;adding the sum, net of associated Tax, as of the Measuring Date of (v)&#160;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)&#160;attorneys&#8217; fees arising from any actions, claims, suits or hearings brought by the Company&#8217;s shareholders with respect to this Agreement or the transactions contemplated hereby; (x)&#160;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)&#160;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)&#160;any other commercially reasonable costs incurred in connection with transactions contemplated by this Agreement. &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Minimum Tangible</font><font style="letter-spacing:0.2pt;"> </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Adjusted Shareholder&#8217;s Equity Value</font><font style="letter-spacing:0.2pt;">&#8221; shall mean $282,000,000. </font>
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          <font style="letter-spacing:0.2pt;">7.3&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conditions to Obligations of the Company</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Representations and Warranties</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The representations and warranties of Parent set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;4.2(a)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.7(a)</font><font style="letter-spacing:0.2pt;"> shall be true and correct (other than, in the case of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.2(a)</font><font style="letter-spacing:0.2pt;">, such failures to be true and correct as are </font><font style="font-style:italic;letter-spacing:0.2pt;">de minimis</font><font style="letter-spacing:0.2pt;">)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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;4.1</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.2(b)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.2(c)</font><font style="letter-spacing:0.2pt;">, and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.3(a)</font><font style="letter-spacing:0.2pt;"> (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, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Performance of Obligations of Parent.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">A-40</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a><a name="tARVI2">&#8203;</a><a name="t8TAM">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Material Adverse Effect</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Federal Tax Opinion.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;The Company shall have received a written opinion of Wachtell, Lipton, Rosen &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 &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) 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>
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          <font style="letter-spacing:-0.2pt;">ARTICLE VIII</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">TERMINATION AND AMENDMENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">8.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;by mutual consent of Parent and the Company in a written instrument; </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination Date</font><font style="letter-spacing:0.2pt;">&#8221;), 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>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;by either Parent or the Company (</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.2</font><font style="letter-spacing:0.2pt;">, in the case of a termination by Parent, or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.3</font><font style="letter-spacing:0.2pt;">, 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>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;by Parent prior to such time as the Requisite Company Vote is obtained, if (i)&#160;the Board of Directors of the Company shall have (A)&#160;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) 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)&#160;recommended or </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">A-41</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a><a name="t8OT">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">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) business days after an Acquisition Proposal is publicly announced, or (ii)&#160;the Company or its Board of Directors has willfully and materially breached its obligations under </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.3</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.11</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">8.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effect of Termination</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;In the event of termination of this Agreement by either Parent or the Company as provided in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1</font><font style="letter-spacing:0.2pt;">, 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>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;6.2(b)</font><font style="letter-spacing:0.2pt;"> and this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IX</font><font style="letter-spacing:0.2pt;"> shall survive any termination of this Agreement, and </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;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)&#160;thereafter this Agreement is terminated by either Parent or the Company pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(c)</font><font style="letter-spacing:0.2pt;"> without the Requisite Company Vote having been obtained (and all other conditions set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.1</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.3</font><font style="letter-spacing:0.2pt;"> had been satisfied or were capable of being satisfied at a time prior to such termination), (B)&#160;thereafter this Agreement is terminated by either Parent or the Company pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(d)</font><font style="letter-spacing:0.2pt;">, or (C)&#160;thereafter this Agreement is terminated by Parent pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(e)</font><font style="letter-spacing:0.2pt;"> as a result of a willful breach, and (D)&#160;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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination Fee</font><font style="letter-spacing:0.2pt;">&#8221;); </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that for purposes of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2(b)</font><font style="letter-spacing:0.2pt;">, all references in the definition of Acquisition Proposal to &#8220;25%&#8221; shall instead refer to &#8220;51%.&#8221; </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;In the event that this Agreement is terminated by Parent pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(f)</font><font style="letter-spacing:0.2pt;">, then the Company shall pay Parent, by wire transfer of same day funds, the Termination Fee no later than two (2)&#160;business days after such termination. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary herein, but without limiting the right of Parent to recover liabilities or damages arising out of the Company&#8217;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2(d)</font><font style="letter-spacing:0.2pt;">), as applicable, and in no event shall the Company be required to pay the Termination Fee on more than one occasion. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;Each of Parent and the Company acknowledges that the agreements contained in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;"> 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 </font>
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          <font style="letter-spacing:0.2pt;">A-42</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a><a name="tARIX">&#8203;</a><a name="t9ORW">&#8203;</a><a name="t9WAA">&#8203;</a><a name="t9EAO">&#8203;</a><a name="t9PRA1">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">promptly to pay the amount due pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;">, 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&#8217; fees and expenses) in connection with such suit. In addition, if the Company fails to pay the amounts payable pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;">, 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 &#8220;prime rate&#8221; published in the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;"> 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2(b)</font><font style="letter-spacing:0.2pt;"> 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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2(d)</font><font style="letter-spacing:0.2pt;">) the sole monetary remedy of Parent in the event of a termination of this Agreement. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE IX</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">GENERAL PROVISIONS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">9.1&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Nonsurvival of Representations, Warranties and Agreements</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7</font><font style="letter-spacing:0.2pt;">, 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>
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          <font style="letter-spacing:0.2pt;">9.2&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Amendment</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">9.3&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Extension; Waiver</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At any time prior to the Effective Time, the parties hereto may, to the extent legally allowed, (a)&#160;extend the time for the performance of any of the obligations or other acts of the other parties hereto, (b)&#160;waive any inaccuracies in the representations and warranties contained herein or in any document delivered pursuant hereto, and (c)&#160;waive compliance with any of the agreements or satisfaction of any conditions contained herein; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> 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>
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          <font style="letter-spacing:0.2pt;">9.4&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Expenses</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as otherwise provided in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;">, all costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby shall be paid by the party incurring such expense; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that all filing and other fees paid to the SEC in connection with the Merger shall be borne by Parent. </font>
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          <font style="letter-spacing:0.2pt;">9.5&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Notices</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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)&#160;when delivered by hand (with written confirmation of receipt); (b)&#160;when received by the addressee if sent by a nationally recognized overnight courier (receipt requested); (c)&#160;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&#160;p.m. local time of the </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a><a name="t9PRA12">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">recipient, and on the next Business Day if sent after 5:00&#160;p.m. local time of the recipient (in each case except in the event of any &#8220;bounceback&#8221; or similar non-transmittal message); or (d)&#160;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.5)</font><font style="letter-spacing:0.2pt;">: </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;if to the Company, to: </font>
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          <font style="letter-spacing:0.2pt;">CapStar Financial Holdings, Inc. </font> <br ><font style="letter-spacing:0.2pt;">1201 Demonbreun Street, Suite 700 </font> <br ><font style="letter-spacing:0.2pt;">Nashville, Tennessee 37203</font> <br ><font style="letter-spacing:0.2pt;">Attention:&#8199;&#8199;&#8199;Timothy K. Schools, President and CEO</font><br ><font style="letter-spacing:0.2pt;">Email:&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;tkschools@capstarbank.com </font></div>
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          <font style="font-style:italic;letter-spacing:0.2pt;">With a copy (which shall not constitute notice) to</font><font style="letter-spacing:0.2pt;">: </font>
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          <font style="letter-spacing:0.2pt;">Wachtell, Lipton, Rosen &amp; Katz</font> <br ><font style="letter-spacing:0.2pt;">51 West 52nd Street</font> <br ><font style="letter-spacing:0.2pt;">New York, NY 10533</font> <br ><font style="letter-spacing:0.2pt;">Attention:&#8199;&#8199;&#8199;Matthew M. Guest</font> <br ><font style="letter-spacing:0.2pt;">Email:&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;MGuest@wlrk.com </font></div>
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          <font style="letter-spacing:0.2pt;">and </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;if to Parent, to: </font>
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          <font style="letter-spacing:0.2pt;">Old National Bancorp </font> <br ><font style="letter-spacing:0.2pt;">One Main Street </font> <br ><font style="letter-spacing:0.2pt;">Evansville, Indiana 47708</font> <br ><font style="letter-spacing:0.2pt;">Attention:&#8199;&#8199;&#8199;Nicholas J. Chulos, Chief Legal Officer</font><br ><font style="letter-spacing:0.2pt;">Email:&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;Nick.Chulos@oldnational.com </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">9.6&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Interpretation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made in this Agreement to Articles, Sections, Exhibits or Schedules, such reference shall be to an Article or Section of or Exhibit or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they shall be deemed to be followed by the words &#8220;without limitation.&#8221; References to &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">the date hereof</font><font style="letter-spacing:0.2pt;">&#8221; shall mean the date of this Agreement. As used in this Agreement, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">knowledge</font><font style="letter-spacing:0.2pt;">&#8221; of the Company means the actual knowledge after reasonable inquiry of their direct reports any of the officers of the Company listed on Section&#160;9.6 of the Company Disclosure Schedule, and the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">knowledge</font><font style="letter-spacing:0.2pt;">&#8221; of Parent means the actual knowledge after reasonable inquiry of their direct reports of the officers of Parent listed on Section&#160;9.6 of the Parent Disclosure Schedule. As used herein, (i)&#160;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">business day</font><font style="letter-spacing:0.2pt;">&#8221; 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)&#160;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">person</font><font style="letter-spacing:0.2pt;">&#8221; 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)&#160;an &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">affiliate</font><font style="letter-spacing:0.2pt;">&#8221; 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)&#160;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">made available</font><font style="letter-spacing:0.2pt;">&#8221; 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)&#160;the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">transactions contemplated hereby</font><font style="letter-spacing:0.2pt;">&#8221; and &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">transactions contemplated by this Agreement</font><font style="letter-spacing:0.2pt;">&#8221; 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 &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">dollars</font><font style="letter-spacing:0.2pt;">&#8221; or &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">$</font><font style="letter-spacing:0.2pt;">&#8221; in this Agreement are to United States dollars. This Agreement shall not be interpreted or construed </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a><a name="t9TAM">&#8203;</a><a name="t9ATA">&#8203;</a><a name="t9LJ">&#8203;</a><a name="tAASB">&#8203;</a><a name="t9OJT">&#8203;</a><a name="t9TBN">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">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 and regulations promulgated under the statute) and references to any section of any statute or regulation include any successor to such section. </font>
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          <font style="letter-spacing:0.2pt;">9.7&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Counterparts</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement may be executed in two or more counterparts (including by electronic means (including a &#8220;.pdf&#8221; 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>
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          <font style="letter-spacing:0.2pt;">9.8&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Entire Agreement</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">9.9&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Governing Law; Jurisdiction</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;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, Indianapolis Division and any state appellate court therefrom within the State of Indiana (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Chosen Courts</font><font style="letter-spacing:0.2pt;">&#8221;), and, solely in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&#160;irrevocably submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#160;waives any objection to laying venue in any such action or proceeding in the Chosen Courts, (iii)&#160;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party and (iv)&#160;agrees that service of process upon such party in any such action or proceeding will be effective if notice is given in accordance with </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.5</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">9.10&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Waiver of Jury Trial</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY 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)&#160;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (B)&#160;EACH PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (C)&#160;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (D)&#160;EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SECTION 9.10</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">9.11&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Assignment; Third-Party Beneficiaries</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7</font><font style="letter-spacing:0.2pt;">, 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 </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a><a name="t9PTP">&#8203;</a><a name="t9WPE">&#8203;</a><a name="t9SIN">&#8203;</a><a name="t9BET">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">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>
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          <font style="letter-spacing:0.2pt;">9.12&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Specific Performance</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#8217; 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)&#160;any defense in any action for specific performance that a remedy at law would be adequate and (b)&#160;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief. </font>
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          <font style="letter-spacing:0.2pt;">9.13&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Severability</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or unenforceable in any respect under any applicable law or rule in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to be only so broad as is enforceable. </font>
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          <font style="letter-spacing:0.2pt;">9.14&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Confidential Supervisory Information</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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. &#167;&#160;261.2(b) and 12 C.F.R. &#167;&#160;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>
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          <font style="letter-spacing:0.2pt;">9.15&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Delivery by Electronic Transmission</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 &#8220;.pdf&#8221; 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 &#8220;.pdf&#8221; 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 &#8220;.pdf&#8221; format data file as a defense to the formation of a contract and each party hereto forever waives any such defense. </font>
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          <font style="letter-spacing:0.2pt;">[</font><font style="font-style:italic;letter-spacing:0.2pt;">Signature Page Follows</font><font style="letter-spacing:0.2pt;">] </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC5">TABLE OF CONTENTS</a>
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          <font style="font-weight:bold;letter-spacing:-0.2pt;">IN WITNESS WHEREOF</font><font style="letter-spacing:0.2pt;">, 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. </font>
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          <font style="letter-spacing:-0.2pt;">CAPSTAR FINANCIAL HOLDINGS, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">By:</font>
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          <font style="letter-spacing:0.2pt;">/s/ Timothy K. Schools</font>
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          <font style="letter-spacing:0.2pt;">Name:&#8199;Timothy K. Schools</font>
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          <font style="letter-spacing:0.2pt;">Title:&#8199;&#8199; President and Chief Executive Officer </font>
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          <font style="letter-spacing:0.2pt;">[</font><font style="font-style:italic;letter-spacing:0.2pt;">Signature Page to Agreement and Plan of Merger</font><font style="letter-spacing:0.2pt;">]</font>
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          <font style="letter-spacing:-0.2pt;">OLD NATIONAL BANCORP</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">/s/ James C. Ryan III</font>
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          <font style="letter-spacing:0.2pt;">Name: James C. Ryan III</font>
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          <font style="letter-spacing:0.2pt;">Title: &#8194;Chief Executive Officer </font>
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          <font style="letter-spacing:0.2pt;">[</font><font style="font-style:italic;letter-spacing:0.2pt;">Signature Page to Agreement and Plan of Merger</font><font style="letter-spacing:0.2pt;">]</font>
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          <font style="letter-spacing:-0.2pt;">Annex B</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Form of Voting Agreement </font>
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          <font style="letter-spacing:0.2pt;">[</font><font style="font-style:italic;letter-spacing:0.2pt;">Attached</font><font style="letter-spacing:0.2pt;">]</font>
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          <font style="letter-spacing:-0.2pt;">Annex B &#8201;&#8212;&#8201; Form of Shareholder Voting Agreement </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">EXECUTION VERSION</font>&#8203;</div>
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          <font style="letter-spacing:-0.2pt;">SHAREHOLDER VOTING AGREEMENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">October&#160;26, 2023</font>
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          <font style="letter-spacing:0.2pt;">Old National Bancorp</font> <br ><font style="letter-spacing:0.2pt;">One Main Street</font> <br ><font style="letter-spacing:0.2pt;">Evansville, Indiana 47708 </font></div>
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          <font style="letter-spacing:0.2pt;">Ladies and Gentlemen: </font>
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          <font style="letter-spacing:0.2pt;">The undersigned, being a shareholder of CapStar Financial Holdings, Inc., a Tennessee corporation (the </font><font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Company&#8221;</font><font style="letter-spacing:0.2pt;">), hereby acknowledges that the Company and Old National Bancorp, an Indiana corporation (</font><font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Parent&#8221;</font><font style="letter-spacing:0.2pt;">), 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 </font><font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Merger Agreement&#8221;</font><font style="letter-spacing:0.2pt;">), pursuant to which the Company will be merged with and into Parent (the </font><font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Merger&#8221;</font><font style="letter-spacing:0.2pt;">). 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. </font>
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          <font style="letter-spacing:0.2pt;">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&#8217;s willingness to enter into the Merger Agreement, the undersigned hereby agrees, represents and warrants as follows: </font>
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          <font style="letter-spacing:0.2pt;">1.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Owned Shares</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 hereof (the </font><font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Owned Shares&#8221;</font><font style="letter-spacing:0.2pt;">). 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>
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          <font style="letter-spacing:0.2pt;">2.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Agreement to Vote Owned Shares</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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)&#160;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)&#160;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)&#160;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>
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          <font style="letter-spacing:0.2pt;">3.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Transfer of Owned Shares and Company Common Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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&#8217;s agreements and obligations hereunder shall apply to such additional shares, without the need for any additional agreement or writing. </font>
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          <font style="letter-spacing:0.2pt;">4.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Further Assurances</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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 </font>
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          <font style="letter-spacing:0.2pt;">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&#160;2 hereof. </font>
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          <font style="letter-spacing:0.2pt;">5.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">No Solicitation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The undersigned agrees that the undersigned shall not, and the undersigned shall direct and use its reasonable best efforts to cause the undersigned&#8217;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>
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          <font style="letter-spacing:0.2pt;">6.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Waiver of Claims.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;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&#8217;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&#160;6.7 of the Merger Agreement as a Company Indemnified Party. To avoid doubt, the waiver contained in this Section&#160;6 shall be absolute and perpetual unless and until such time as this agreement is terminated pursuant to Section&#160;8 (a)&#160;or 8 (b)&#160;below. </font>
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          <font style="letter-spacing:0.2pt;">7.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Specific Performance</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">8.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Termination of this Agreement</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This agreement will terminate automatically upon the earliest to occur of: (a)&#160;the termination of the Merger Agreement by either or both of the Company or Parent pursuant to Section&#160;8.1 of the Merger Agreement, or (b)&#160;the Board of Directors of the Company submitting the Merger Agreement to the Company&#8217;s shareholders without a recommendation for approving the Merger Agreement in accordance with Section&#160;6.3 of the Merger Agreement. Upon such termination, no party shall have any further obligations or liabilities hereunder; </font><font style="font-style:italic;letter-spacing:0.2pt;">provided, however,</font><font style="letter-spacing:0.2pt;"> such termination will not relieve any party from liability for any willful breach of this agreement prior to such termination. Additionally, Section&#160;3 of this agreement shall terminate effective as of the time that the Merger Agreement is approved by shareholders of the Company. </font>
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          <font style="letter-spacing:0.2pt;">9.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Certain Representations and Warranties.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">10.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Appraisal/Dissenters Rights.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">11.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Governing Law</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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          <font style="letter-spacing:0.2pt;">12.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Counterparts</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">13.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Severability</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;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)&#160;all other provisions of this agreement shall nevertheless remain in full force and effect and (b)&#160;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>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">14.&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Electronic Transmission.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;This agreement, and any amendments or waivers hereto, to the extent signed and delivered by email delivery of a &#8220;.pdf&#8221; 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 &#8220;.pdf&#8221; 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 &#8220;.pdf&#8221; 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>
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          <font style="letter-spacing:0.2pt;">[Remainder of this page intentionally left blank. Signature page follows this page]</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">*&#8199;&#8199;&#8199;&#8199;&#8199;*&#8199;&#8199;&#8199;&#8199;&#8199;* </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B-3</font>
          <br >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Helvetica, Arial, sans-serif;font-size:9pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:478pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">The undersigned has executed and delivered this agreement as of the day and year first above written. </font>
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        <div style="margin-left:240pt; margin-top:24pt; width:216pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">Very truly yours, </font>
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          <div style="margin-left: 0pt; width: 216pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-left:240pt; margin-top:2pt; width:216pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(Signature) </font>
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          <div style="margin-left: 0pt; width: 216pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">(Printed Name) </font>
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              <font style="letter-spacing:0.2pt;">Number of Owned Shares:&#8194;</font>
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              <div style="margin-left: 0pt; width: 96.99pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">B-4</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:508pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:240pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="text-transform:uppercase;letter-spacing:0.2pt;">A<font style="font-size:7pt;">ccepted</font> <font style="font-size:7pt;">as</font> <font style="font-size:7pt;">of</font> <font style="font-size:7pt;">the</font> D<font style="font-size:7pt;">ate</font> <font style="font-size:7pt;">first</font> <font style="font-size:7pt;">above</font> <font style="font-size:7pt;">written</font>:</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="margin-left:240pt; margin-top:12pt; width:216pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">OLD NATIONAL BANCORP</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <table style="border-collapse:collapse;width:216pt;margin-top:12pt;margin-left:240pt;white-space:nowrap;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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              <font style="letter-spacing:0.2pt;">By:&nbsp;&nbsp;&nbsp;</font>
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            <td style="padding-left:0pt;text-align:right;max-width:191.63pt;">
              <div style="margin-left: 0pt; width: 191.63pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-left:240pt; margin-top:12pt; width:216pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(Printed Name) </font>
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        <div style="margin-left:240pt; margin-top:24pt; width:216pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(Title)</font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">B-5</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">Annex C &#8201;&#8212;&#8201; Opinion of Morgan Stanley &amp; Co. LLC </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tACOO">&#8203;</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="text-align:right; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Annex C</font>&#8203;</div>
        <div style="margin-top:8pt; text-align:right; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">1585 Broadway </font>
          <br >
          <font style="letter-spacing:0.2pt;">New York, NY 10036</font>&#8203;</div>
        <div style="position:relative;margin-top:9.9pt; width:456pt;">
          <img src="lg_morganstanley-bw.jpg" alt="[MISSING IMAGE: lg_morganstanley-bw.jpg]" height="23" width="156" >
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        <div style="margin-top:14.8pt; text-align:right; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">October&#160;26, 2023</font>&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Board of Directors </font> <br ><font style="letter-spacing:0.2pt;">CapStar Financial Holdings, Inc.</font> <br ><font style="letter-spacing:0.2pt;">1201 Demonbreun St, Suite 700</font> <br ><font style="letter-spacing:0.2pt;">Nashville, TN 37203 </font></div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Members of the Board: </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">We understand that CapStar Financial Holdings, Inc. (the &#8220;Company&#8221;) and Old National Bancorp (&#8220;Parent&#8221;) propose to enter into an Agreement and Plan of Merger, substantially in the form of the draft dated October&#160;25, 2023 (the &#8220;Merger Agreement&#8221;), which provides, among other things, for the merger (the &#8220;Merger&#8221;) of the Company with and into Parent, with Parent being the surviving corporation in the Merger. Pursuant to the Merger, each outstanding share of common stock, par value $1.00 per share, of the Company (&#8220;Company Common Stock&#8221;), other than shares owned by the Company as treasury stock or owned by the Company or Parent (in each case other than shares (x)&#160;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)&#160;held, directly or indirectly, as a result of debts previously contracted) (such treasury stock or owned shares, the &#8220;Excluded Shares&#8221;), will be converted into the right to receive 1.1550 shares (the &#8220;Exchange Ratio&#8221;) of common stock, no par value per share, of Parent (&#8220;Parent Common Stock&#8221;). The terms and conditions of the Merger are more fully set forth in the Merger Agreement. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">You have asked for our opinion as to whether the Exchange Ratio pursuant to the Merger Agreement is fair from a financial point of view to the holders of shares of Company Common Stock (other than the Excluded Shares). </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For purposes of the opinion set forth herein, we have: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.91pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">1)</font>
          <br >
        </div>
        <div style=" margin-top:7.91pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Reviewed certain publicly available financial statements and other business and financial information of the Company and Parent, respectively; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Reviewed certain internal financial statements and other financial and operating data concerning the Company; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">3)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Reviewed information relating to certain strategic, financial and operational benefits anticipated from the Merger, prepared by the managements of the Company and Parent, respectively; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">4)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Discussed the past and current operations and financial condition and the prospects of the Company, including information relating to certain strategic, financial and operational benefits anticipated from the Merger, with senior executives of the Company; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">5)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Reviewed the pro&#160;forma impact of the Merger on Parent&#8217;s earnings per share, consolidated capitalization and certain financial ratios; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">6)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Reviewed the reported prices and trading activity for Company Common Stock and Parent Common Stock; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">7)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Compared the financial performance of the Company and Parent and the prices and trading activity of Company Common Stock and Parent Common Stock with that of certain other publicly-traded companies comparable with the Company and Parent, respectively, and their securities; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">8)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Reviewed the financial terms, to the extent publicly available, of certain comparable acquisition transactions; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C-1</font>
          <br >
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      <hr >
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">9)</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Participated in certain discussions and negotiations among representatives of the Company and Parent and their financial and legal advisors; </font>
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          <font style="letter-spacing:0.2pt;">10)</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Reviewed the Merger Agreement and certain related documents; and </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">11)</font>
          <br >
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Performed such other analyses, reviewed such other information and considered such other factors as we have deemed appropriate. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">We have assumed and relied upon, without independent verification, the accuracy and completeness of the information that was publicly available or supplied or otherwise made available to us by the Company and Parent, and formed a substantial basis for this opinion. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">At your direction, (i)&#160;our analysis relating to the business and financial prospects for the Company for purposes of this opinion have been made on the basis of certain financial projections with respect to the Company that were primarily derived from a consensus of selected Wall Street equity research financial forecasts identified by the management of the Company, which forecasts were extrapolated at the direction of the Company for certain fiscal&#160;years based on your guidance and reviewed and approved by you for our use (such forecasts and extrapolations thereof, the &#8220;Company Street Forecasts&#8221;) only and (ii)&#160;our analysis relating to the business and financial prospects for Parent for purposes of this opinion have been made on the basis of certain financial projections with respect to Parent that were primarily derived from a consensus of selected Wall Street equity research financial forecasts identified by the management of the Company, which forecasts were extrapolated at the direction of the Company for certain fiscal&#160;years based on your guidance and reviewed and approved by you for our use (such forecasts and extrapolations thereof, the &#8220;Parent Street Forecasts&#8221;) only. We have been advised by the Company, and have assumed, with your consent, that the Company Street Forecasts and Parent Street Forecasts are reasonable bases upon which to evaluate the business and financial prospects of the Company and Parent, respectively. We express no view as to the Company Street Forecasts or the Parent Street Forecasts or the assumptions on which they were based, including the selection of the equity research financial forecasts from which the Company Street Forecasts and Parent Street Forecasts were derived. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In addition, we have assumed that the Merger will be consummated in accordance with the terms set forth in the Merger Agreement without any waiver, amendment or delay of any terms or conditions, including, among other things, that the Merger will be treated as a tax-free reorganization, pursuant to the Internal Revenue Code of 1986, as amended, and that the definitive Merger Agreement will not differ in any material respect from the draft thereof furnished to us. Morgan Stanley has assumed that in connection with the receipt of all the necessary governmental, regulatory or other approvals and consents required for the proposed Merger, no delays, limitations, conditions or restrictions will be imposed that would have a material adverse effect on the contemplated benefits expected to be derived in the proposed Merger. We are not legal, tax, or regulatory advisors. We are not experts in the evaluation of allowance for loan losses, and we have neither made an independent evaluation of the adequacy of the allowance for loan losses at the Company or Parent, nor have we examined any individual loan credit files of the Company or Parent or been requested to conduct such a review, and, as a result, we have assumed that the aggregate allowance for loan losses of the Company and Parent is adequate. We are financial advisors only and have relied upon, without independent verification, the assessment of Parent and the Company and their legal, tax, or regulatory advisors with respect to legal, tax, or regulatory matters. We express no opinion with respect to the fairness of the amount or nature of the compensation to any of the Company&#8217;s officers, directors or employees, or any class of such persons, relative to the Exchange Ratio to be received by the holders of shares of Company Common Stock in the transaction. We have not made any independent valuation or appraisal of the assets or liabilities of the Company or Parent, nor have we been furnished with any such valuations or appraisals. Our opinion is necessarily based on financial, economic, market and other conditions as in effect on, and the information made available to us as of, the date hereof. Events occurring after the date hereof may affect this opinion and the assumptions used in preparing it, and we do not assume any obligation to update, revise or reaffirm this opinion. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">We have acted as financial advisor to the Board of Directors of the Company in connection with this transaction and will receive a fee for our services, a significant portion of which is contingent upon the closing of the Merger. In the two&#160;years prior to the date hereof, we have not provided financial advisory and </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">C-2</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">financing services for Parent and the Company and have not received fees in connection with such services. Morgan Stanley may also seek to provide financial advisory and financing services to Parent and the Company and their respective affiliates in the future and would expect to receive fees for the rendering of these services. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Please note that Morgan Stanley is a global financial services firm engaged in the securities, investment management and individual wealth management businesses. Our securities business is engaged in securities underwriting, trading and brokerage activities, foreign exchange, commodities and derivatives trading, prime brokerage, as well as providing investment banking, financing and financial advisory services. Morgan Stanley, its affiliates, directors and officers may at any time invest on a principal basis or manage funds that invest, hold long or short positions, finance positions, and may trade or otherwise structure and effect transactions, for their own account or the accounts of its customers, in debt or equity securities or loans of Parent, the Company, or any other company, or any currency or commodity, that may be involved in this transaction, or any related derivative instrument. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">This opinion has been approved by a committee of Morgan Stanley investment banking and other professionals in accordance with our customary practice. This opinion is for the information of the Board of Directors of the Company only and may not be used for any other purpose or disclosed without our prior written consent, except that a copy of this opinion may be included in its entirety in any filing the Company is required to make with the Securities and Exchange Commission in connection with this transaction if such inclusion is required by applicable law. In addition, this opinion does not in any manner address the prices at which Parent Common Stock will trade following consummation of the Merger or at any time and Morgan Stanley expresses no opinion or recommendation as to how the shareholders of the Company should vote at the shareholders&#8217; meeting to be held in connection with the Merger. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Based on and subject to the foregoing, we are of the opinion on the date hereof that the Exchange Ratio pursuant to the Merger Agreement is fair from a financial point of view to the holders of shares of Company Common Stock (other than the Excluded Shares). </font>
        </div>
        <div style="margin-left:220pt; margin-top:12pt; width:236pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Very truly yours, </font>
        </div>
        <div style="margin-left:220pt; margin-top:12pt; width:236pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">MORGAN STANLEY &amp; CO. LLC</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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                <font style="letter-spacing:0.2pt;">By:</font>
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              <div style="position:relative;">
                <img src="sg_sarahgore-bw.jpg" alt="[MISSING IMAGE: sg_sarahgore-bw.jpg]" height="47" width="243" >
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="letter-spacing:0.2pt;">Sarah Gore </font>
              <br >
              <font style="letter-spacing:0.2pt;">Managing Director</font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">C-3</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">PART II </font>
          <br >
          <font style="letter-spacing:-0.2pt;">INFORMATION NOT REQUIRED IN PROSPECTUS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Item&#160;20.&nbsp;&nbsp;&nbsp;Indemnification of Directors and Officers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National is an Indiana corporation. Old National&#8217;s officers and directors are and will be indemnified under Indiana law, the articles of incorporation and the bylaws of Old National against certain liabilities. Chapter 37 of the IBCL requires a corporation, unless limited by its articles of incorporation, to indemnify a director or an officer of the corporation who is wholly successful, on the merits or otherwise, in the defense of any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative, or investigative and whether formal or informal, to which the director or officer was a party because the director or officer is or was a director or officer of the corporation, against reasonable expenses, including counsel fees, incurred in connection with the proceeding. Old National&#8217;s articles of incorporation do not contain any provision limiting such indemnification. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The IBCL also permits a corporation to indemnify a director, officer, employee, or agent who is made a party to a proceeding because the person was a director, officer, employee, or agent of the corporation against liability incurred in the proceeding if (i)&#160;the individual&#8217;s conduct was in good faith, and (ii)&#160;the individual reasonably believed (A)&#160;in the case of conduct in the individual&#8217;s official capacity with the corporation, that the conduct was in the corporation&#8217;s best interests, and (B)&#160;in all other cases, that the individual&#8217;s conduct was at least not opposed to the corporation&#8217;s best interests, and (iii)&#160;in the case of a criminal proceeding, the individual either (A)&#160;had reasonable cause to believe the individual&#8217;s conduct was lawful, or (B)&#160;had no reasonable cause to believe the individual&#8217;s conduct was unlawful. The IBCL also permits a corporation to pay for or reimburse reasonable expenses incurred before the final disposition of the proceeding upon the satisfaction of certain conditions and permits a court of competent jurisdiction to order a corporation to indemnify a director or officer if the court determines that the person is fairly and reasonably entitled to indemnification in view of all the relevant circumstances, whether or not the person met the standards for indemnification otherwise provided in the IBCL. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National&#8217;s articles of incorporation require it to provide indemnification to its officers and directors to the fullest extent authorized by the IBCL and to pay for or reimburse reasonable expenses incurred before the final disposition of the proceeding as authorized by the IBCL. Old National&#8217;s articles of incorporation also authorize it to maintain insurance at its expense to protect itself and any of its directors, officers, employees or agents or those of another corporation, partnership, joint venture, trust, or other entity against expense, liability or loss, whether or not Old National would have the power to indemnify such person against such expense, liability or loss under the IBCL. Old National currently maintains directors&#8217; and officers&#8217; liability insurance. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Old National&#8217;s bylaws contain indemnification provisions to substantially the same effect as in the articles of incorporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to Old National directors, officers and controlling persons pursuant to the foregoing provisions, or otherwise, it has been advised that in the opinion of the SEC such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Item&#160;21.&nbsp;&nbsp;&nbsp;Exhibits and Financial Statement Schedules</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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                <font style="letter-spacing:-0.16pt;">Exhibit </font>
                <br >
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                <font style="letter-spacing:-0.16pt;">Description </font>
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              <font style="letter-spacing:0.2pt;">2.1# </font>
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              <a style="-sec-extract:exhibit" href="tm2332717d2_ex2-1.htm">Agreement and Plan of Merger, dated as of October&#160;26, 2023, by and between Old National Bancorp and CapStar Financial Holdings, Inc. </a>
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              <font style="letter-spacing:0.2pt;">3.1 </font>
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            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:417.08pt;white-space:normal;">
              <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/707179/000156459020026024/onb-ex31_29.htm">Fifth Amended and Restated Articles of Incorporation of Old National, amended April&#160;30, 2020 (incorporated by reference to Exhibit&#160;3.1 of Old National&#8217;s Current Report on Form&#160;8-K/A filed with the SEC on May&#160;18, 2020)</a>
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          <font style="letter-spacing:0.2pt;">II-1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
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                <font style="letter-spacing:-0.16pt;">Exhibit </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:417.08pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Description </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:0.2pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">3.2 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:417.08pt;white-space:normal;">
              <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/707179/000114036122005787/ny20002365x21_ex3-2.htm">Articles of Amendment to the Fifth Amended and Restated Articles of Incorporation of Old National authorizing additional shares of Old National capital stock (incorporated by reference to Exhibit&#160;3.2 of Old National&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on February&#160;16, 2022)</a>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:0.2pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">3.3 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:417.08pt;white-space:normal;">
              <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/707179/000114036122005787/ny20002365x21_ex3-3.htm">Articles of Amendment to the Fifth Amended and Restated Articles of Incorporation of Old National designating the New Old National Series&#160;A Preferred Stock (incorporated by reference to Exhibit&#160;3.3 of Old National&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on February&#160;16, 2022)</a>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:0.2pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">3.4 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:417.08pt;white-space:normal;">
              <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/707179/000114036122005787/ny20002365x21_ex3-4.htm">Articles of Amendment to the Fifth Amended and Restated Articles of Incorporation of Old National designating the New Old National Series&#160;C Preferred Stock (incorporated by reference to Exhibit&#160;3.4 of Old National&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on February&#160;16, 2022)</a>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">3.5 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:417.08pt;white-space:normal;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/707179/000156459020026024/onb-ex32_10.htm">Amended and Restated By-Laws of Old National (incorporated by reference to Exhibit&#160;3.2 of Old National&#8217;s Current Report on Form 8-K/A filed with the SEC on May&#160;18, 2020)</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:0.2pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">3.6 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:417.08pt;white-space:normal;">
              <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/707179/000114036122005787/ny20002365x21_ex3-6.htm">Amendment to Amended and Restated By-Laws of Old National (incorporated by reference to Exhibit&#160;3.6 of Old National&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on February&#160;16, 2022)</a>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">4.1 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:417.08pt;white-space:normal;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="https://www.sec.gov/Archives/edgar/data/707179/000070717923000008/onbexhibit4110-k2022.htm">Description of Old National Bancorp capital stock (incorporated by reference to Exhibit&#160;4.1 of Old&#160;National&#8217;s Annual Report on Form 10-K filed for the year ended December&#160;31, 2022)</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">5.1* </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:417.08pt;white-space:normal;">
              <font style="letter-spacing:0.2pt;">Opinion of Nicholas J. Chulos, Executive Vice President, Chief Legal Officer and Corporate Secretary of Old National Bancorp </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">8.1* </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <font style="letter-spacing:0.2pt;">Opinion of Dykema Gossett PLLC regarding certain tax matters </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">8.2* </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <font style="letter-spacing:0.2pt;">Opinion of Wachtell, Lipton, Rosen &amp; Katz regarding certain tax matters </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">23.1 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm2332717d2_ex23-1.htm">Consent of Crowe LLP</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">23.2 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm2332717d2_ex23-2.htm">Consent of Ernst &amp; Young LLP</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">23.3 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm2332717d2_ex23-3.htm">Consent of Elliott Davis, PLLC</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">23.4* </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <font style="letter-spacing:0.2pt;">Consent of Nicholas J. Chulos (included in Exhibit&#160;5.1) </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">23.5* </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <font style="letter-spacing:0.2pt;">Consent of Dykema Gossett PLLC (included in Exhibit 8.1) </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">23.6* </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <font style="letter-spacing:0.2pt;">Consent of Wachtell, Lipton, Rosen &amp; Katz (included in Exhibit&#160;8.2) </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">24.1 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm2332717d2_ex24-1.htm">Power of Attorney</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">99.1 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm2332717d2_ex99-1.htm">Consent of Morgan Stanley &amp; Co. LLC</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <font style="letter-spacing:0.2pt;">99.2* </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;">
              <font style="letter-spacing:0.2pt;">Form of Proxy Card of CapStar Financial Holdings, Inc. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:26.92pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">107&#8199;&#8199; </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:417.08pt;text-align:left;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm2332717d2_ex-filingfees.htm">Filing Fee Table</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:12.2pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">*</font>
          <br >
        </div>
        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To be filed by amendment. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">#</font>
          <br >
        </div>
        <div style=" margin-top:3.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Schedules have been omitted pursuant to Item&#160;601(a)(5) of Regulation&#160;S-K. Old National hereby undertakes to furnish supplemental copies of any of the omitted schedules upon request by the SEC; provided, that Old National may request confidential treatment pursuant to Rule&#160;24b-2 of the Securities Exchange Act of 1934, as amended, for any schedules so furnished. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Item&#160;22.&nbsp;&nbsp;&nbsp;Undertakings</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The undersigned registrant hereby undertakes: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement: (i)&#160;to include any prospectus required by Section&#160;10(a)(3) of the Securities Act of 1933; (ii)&#160;to reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-2</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:40pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">statement. Notwithstanding the foregoing, any increase or decrease in the volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule&#160;424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fee&#8221; table in the effective registration statement; and (iii)&#160;to include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement. </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.91pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:7.91pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule&#160;424(b) as part of a registration statement relating to an offering, other than registration statements relying on Rule&#160;430B or other than prospectuses filed in reliance on Rule&#160;430A, shall be deemed to be part of and included in the registration statement as of the date it is first used after effectiveness; provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That in a primary offering of securities of the registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser: (i)&#160;any preliminary prospectus or prospectus of the registrant relating to the offering required to be filed pursuant to Rule&#160;424; (ii)&#160;any free writing prospectus relating to the offering prepared by or on behalf of the registrant or used or referred to by the registrant; (iii)&#160;the portion of any other free writing prospectus relating to the offering containing material information about the registrant or its securities provided by or on behalf of the registrant; and (iv)&#160;any other communication that is an offer in the offering made by the registrant to the purchaser. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(6)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant&#8217;s annual report pursuant to Section&#160;13(a) or 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan&#8217;s annual report pursuant to Section&#160;15(d) of the Securities Exchange Act of 1934) that is incorporated by reference in this registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(7)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That prior to any public reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration statement, by any person or party who is deemed to be an underwriter within the meaning of Rule&#160;145(c), the registrant undertakes that such reoffering prospectus will contain the information called for by the applicable registration form with respect to reofferings by persons who may be deemed underwriters, in addition to the information called for by the other items of the applicable form. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(8)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That every prospectus (i)&#160;that is filed pursuant to the paragraph immediately preceding, or (ii)&#160;that purports to meet the requirements of Section&#160;10(a)(3) of the Securities Act and is used in </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-3</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:292pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:40pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">connection with an offering of securities subject to Rule&#160;415, will be filed as a part of an amendment to the registration statement and will not be used until such amendment is effective, and that, for the purposes of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(9)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To respond to requests for information that is incorporated by reference into the prospectus pursuant to Items&#160;4, 10(b), 11 or 13 of this Form, within one business day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt means. This includes information contained in documents filed subsequent to the effective date of the registration statement through the date of responding to the request. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(10)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To supply by means of a post-effective amendment all information concerning a transaction, and the company being acquired involved therein, that was not the subject of, and included in, this registration statement when it became effective. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(11)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers, and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission, such indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer, or controlling person of the registrant in the successful defense of any action, suit, or proceeding) is asserted by such director, officer, or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-4</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style=" width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tSIG">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">SIGNATURES</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the requirements of the Securities Act, the registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Evansville, State of Indiana, on January 3, 2024. </font>
        </div>
        <div style="margin-left:240pt; margin-top:8pt; width:216pt; line-height:12pt;">
          <font style="font-weight:bold;letter-spacing:-0.2pt;">Old National Bancorp</font><font style="letter-spacing:0.2pt;"> </font>
          <br >
          <font style="letter-spacing:0.2pt;">(Registrant) </font>
        </div>
        <div style=" float:left; margin-left:240pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:36pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">By:</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:276pt;">
          <!--blacklining:none;-->
          <font style="font-style:italic;letter-spacing:0.2pt;">/s/</font><font style="letter-spacing:0.2pt;"> Nicholas J. Chulos</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="white-space:nowrap; margin-left:276pt; margin-top:2.5pt; width:180pt;">
          <div style="margin-left: 0pt; width: 180pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-left:260pt; margin-top:3pt; margin-bottom:0pt; text-align:left; width:48pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;&#8199;Name:</font>
          <br >
        </div>
        <div style=" margin-top:3pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:308pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Nicholas J. Chulos </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:260pt; line-height:12pt; margin-top:1pt; margin-bottom:0pt; text-align:left; width:48pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;&#8199;Title:</font>
          <br >
        </div>
        <div style=" margin-top:1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:308pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Executive Vice President, Chief Legal Officer and Corporate Secretary </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities indicated on January 3, 2024. </font>
        </div>
        <table style="width:456pt;margin-bottom:5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ James C. Ryan, III*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">James C. Ryan, III</font>
                <br >
                <font style="letter-spacing:0.2pt;">Director, Chief Executive Officer</font>
                <br >
                <font style="letter-spacing:0.2pt;">(</font><font style="font-style:italic;letter-spacing:0.2pt;">Principal Executive Officer</font><font style="letter-spacing:0.2pt;">) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Brendon B. Falconer*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Brendon B. Falconer</font>
                <br >
                <font style="letter-spacing:0.2pt;">Senior Executive Vice President and Chief </font>
                <br >
                <font style="letter-spacing:0.2pt;">Financial Officer</font>
                <br >
                <font style="letter-spacing:0.2pt;">(</font><font style="font-style:italic;letter-spacing:0.2pt;">Principal Financial Officer</font><font style="letter-spacing:0.2pt;">)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Angela L. Putnam*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Angela L. Putnam,</font>
                <br >
                <font style="letter-spacing:0.2pt;">Senior Vice President and Chief Accounting Officer</font>
                <br >
                <font style="letter-spacing:0.2pt;">(</font><font style="font-style:italic;letter-spacing:0.2pt;">Principal Accounting Officer</font><font style="letter-spacing:0.2pt;">)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;min-height:33pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Barbara A. Boigegrain*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Barbara A. Boigegrain, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Thomas E. Salmon*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Thomas E. Salmon, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;min-height:33pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Thomas L. Brown*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Thomas L. Brown, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Michael L. Scudder*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Michael L. Scudder, Executive Chairman </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;min-height:33pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Kathryn J. Hayley*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Kathryn J. Hayley, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Rebecca S. Skillman*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Rebecca S. Skillman, Lead Independent Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;min-height:33pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Peter J. Henseler*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Peter J. Henseler, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Michael J. Small*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Michael J. Small, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;min-height:33pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Daniel S. Hermann*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Daniel S. Hermann, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Derrick J. Stewart*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Derrick J. Stewart, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;min-height:33pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Ryan C. Kitchell*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Ryan C. Kitchell, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Stephen C. Van Arsdell*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Stephen C. Van Arsdell, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;min-height:33pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Austin M. Ramirez*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Austin M. Ramirez, Director</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Katherine E. White*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Katherine E. White, Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;min-height:33pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Ellen A. Rudnick*</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Ellen A. Rudnick, Director</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:right;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4.167pt 0.5pt 0.5pt 0pt; width:222pt;">
              <div style="text-align:right;">
                <font style="letter-spacing:0.2pt;">*By:</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4.167pt 0pt 0.5pt 0pt; width:222pt;white-space:normal;text-align:left;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Nicholas J. Chulos</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify; line-height:0pt;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Attorney-in-Fact</font>
                <br >
                <font style="font-style:italic;letter-spacing:0.2pt;">Nicholas J. Chulos</font><font style="letter-spacing:0.2pt;">, Executive Vice President, Chief </font>
                <br >
                <font style="letter-spacing:0.2pt;">Legal Officer and Corporate Secretary</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-5</font>
          <br >
        </div>
      </div>
      <hr >
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>tm2332717d2_ex2-1.htm
<DESCRIPTION>EXHIBIT 2.1
<TEXT>
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<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>

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

<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>


<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">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">&nbsp;</P>

<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>

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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>&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">&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 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">&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">1.6</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>

<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">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>

<P STYLE="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">(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">&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;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">&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 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>

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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">3.2</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>

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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: 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>

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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;&#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>

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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">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>

<P STYLE="font: 10pt 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 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; 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>

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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">3.5</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>

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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: 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">&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">3.10</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Taxes
and Tax Returns</U>.</FONT></P>

<P STYLE="font: 10pt 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">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>

<P STYLE="font: 10pt 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;<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>

<P STYLE="font: 10pt 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;<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>

<P STYLE="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">3.11</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>

<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">(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>

<P STYLE="font: 10pt 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">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>

<P STYLE="font: 10pt 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">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>

<P STYLE="font: 10pt 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">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>

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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>

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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">(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>

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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">(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>

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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">(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>

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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">(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>

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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>

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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">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>

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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">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>

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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">3.14</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>

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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>

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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">3.16</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>

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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">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">&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">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>

<P STYLE="font: 10pt 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">3.21</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">&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">3.25</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>

<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">4.4</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>

<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">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">&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">4.9</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>

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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">4.11</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>

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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">4.12</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; 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; 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; 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; 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>

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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">6.4</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">&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">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">&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">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">&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">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">&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 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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<P STYLE="font: 10pt 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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<P STYLE="font: 10pt 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%">
  <TR STYLE="vertical-align: bottom">
    <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"></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 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>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <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>

<P STYLE="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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<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>tm2332717d2_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT&nbsp;23.1</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: center"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING
FIRM</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: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
consent to the incorporation by reference in this Registration Statement on Form&nbsp;S-4 of Old National Bancorp of our report dated
February&nbsp;22, 2023, with respect to the consolidated financial statements </FONT>and effectiveness of internal control over financial
reporting, appearing in the Annual Report on Form&nbsp;10-K of Old National Bancorp for the year ended December&nbsp;31, 2022, and to
the reference to us under the heading &ldquo;Experts&rdquo; in the prospectus.</P>

<P STYLE="font: 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">/s/ Crowe LLP</P>

<P STYLE="font: 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">Louisville, Kentucky</P>

<P STYLE="font: 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">January&nbsp;3, 2024</P>

<P STYLE="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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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>4
<FILENAME>tm2332717d2_ex23-2.htm
<DESCRIPTION>EXHIBIT 23.2
<TEXT>
<HTML>
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<P STYLE="text-align: right; margin: 0">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>EXHIBIT&nbsp;23.2</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white; color: #333333"><B>Consent
of Independent Auditors</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: justify">We consent to the reference to our firm under the caption &ldquo;Experts&rdquo; in the Registration Statement on Form S-4 and related
Preliminary Proxy Statement/Prospectus of Old National Bancorp and to the incorporation by reference therein of our report dated March
11, 2022, with respect to the consolidated financial statements of First Midwest Bancorp, Inc., included in Old National Bancorp&rsquo;s Form
8-K/A filed on April 29, 2022 with the Securities and Exchange Commission.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">/s/ Ernst &amp; Young LLP</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">January 3, 2024</P>

<P STYLE="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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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.3
<SEQUENCE>5
<FILENAME>tm2332717d2_ex23-3.htm
<DESCRIPTION>EXHIBIT 23.3
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font-size: 10pt; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 10pt"><B>EXHIBIT&nbsp;23.3</B></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-align: center"><FONT STYLE="font-size: 10pt"><B>CONSENT OF INDEPENDENT
REGISTERED PUBLIC ACCOUNTING FIRM</B></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-align: justify"><FONT STYLE="font-size: 10pt">We consent to the
incorporation by reference in this the Registration Statement on Form&nbsp;S-4 of Old National Bancorp of our reports dated March&nbsp;3,
2023, relating to the consolidated financial statements and the effectiveness of internal control over financial reporting of CapStar
Financial Holdings,&nbsp;Inc. and its Subsidiary, appearing in the Annual Report on Form&nbsp;10-K of CapStar Financial Holdings,&nbsp;Inc.
for the year ended December&nbsp;31, 2022.</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-align: justify"><FONT STYLE="font-size: 10pt">We also consent
to the reference to our firm under the heading &ldquo;Experts&rdquo; in such Proxy Statement/Prospectus.</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"><FONT STYLE="font-size: 10pt">/s/ Elliott Davis, PLLC</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"><FONT STYLE="font-size: 10pt">Raleigh, North Carolina</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">January 3, 2024&nbsp;</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"></P>

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

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.1
<SEQUENCE>6
<FILENAME>tm2332717d2_ex24-1.htm
<DESCRIPTION>EXHIBIT 24.1
<TEXT>
<HTML>
<HEAD>
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<P STYLE="font-size: 10pt; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 10pt"><B>EXHIBIT&nbsp;24.1</B></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-align: center"><FONT STYLE="font-size: 10pt"><B>POWER OF ATTORNEY</B></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-align: justify"><FONT STYLE="font-size: 10pt">The directors and
officers whose signatures appear below hereby make, constitute and appoint Nicholas J. Chulos, Executive Vice President, Chief Legal
Officer and Corporate Secretary of Old National Bancorp (the &ldquo;Registrant&rdquo;), to act as their true and lawful attorney-in-fact,
with full power to sign on their behalf individually and in each capacity stated below and to file the registration statement on Form&nbsp;S-4
and all amendments and post-effective amendments to such registration statement, making such changes to such registration statement as
the Registrant deems necessary or appropriate, and generally to do all things in their names and in their capacities as directors and
officers to enable the Registrant to comply with the provisions of the Securities Act of 1933, as amended, and all requirements of the
Securities and Exchange Commission.</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-align: justify"><FONT STYLE="font-size: 10pt">IN WITNESS WHEREOF,
the undersigned have each executed this Power of Attorney as of January&nbsp;3, 2024.</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"><FONT STYLE="font-size: 10pt"></FONT></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="white-space: nowrap; width: 49%; padding: 0.25pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: black 1pt solid"><FONT STYLE="font-variant: small-caps"><B>Name
    and Signature</B></FONT></P></TD>
    <TD STYLE="width: 2%; padding-top: 0.25pt; padding-right: 0.25pt; padding-left: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 49%; padding: 0.25pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: black 1pt solid"><FONT STYLE="font-variant: small-caps"><B>Title</B></FONT></P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; padding-left: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding: 0.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-bottom: black 0.75pt solid">/s/ James C. Ryan, III</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">James C. Ryan, III</P></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 0.25pt; padding-right: 0.25pt; padding-left: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Chief Executive Officer and Director</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(Principal Executive Officer)</P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 0.25pt; padding-right: 0.25pt; padding-left: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD></TR>

<TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top; width: 49%"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Brendon B. Falconer</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Brendon B. Falconer</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top; width: 49%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Chief
                                            Financial Officer</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">(Principal Financial Officer)</FONT></P></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Angela L. Putnam</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Angela L. Putnam</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Chief
                                            Accounting Officer</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">(Principal Accounting Officer)</FONT></P></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Barbara A. Boigegrain</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Barbara A. Boigegrain</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Thomas L. Brown</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Thomas L. Brown</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Kathryn J. Hayley</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Kathryn J. Hayley</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Peter J. Henseler</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Peter J. Henseler</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Daniel S. Hermann</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Daniel S. Hermann</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Ryan C. Kitchell</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Ryan C. Kitchell</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Austin M. Ramirez</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Austin M. Ramirez</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Ellen A. Rudnick</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Ellen A. Rudnick</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top; width: 49%"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Thomas E. Salmon</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Thomas E. Salmon</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top; width: 49%"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
</TABLE>

<P STYLE="font-size: 10pt; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; margin: 0"></P>

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<P STYLE="font-size: 10pt; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top; width: 49%"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Michael L. Scudder</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Michael L. Scudder</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top; width: 49%"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Rebecca S. Skillman</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Rebecca S. Skillman</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Michael J. Small</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Michael J. Small</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Derrick J. Stewart</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Derrick J. Stewart</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Stephen C. Van Arsdell</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Stephen C. Van Arsdell</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="font-size: 10pt; vertical-align: top"><P STYLE="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">/s/
                                            Katherine E. White</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Katherine E. White</FONT></P></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: top"><FONT STYLE="font-size: 10pt">Director</FONT></TD></TR>
  </TABLE>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>7
<FILENAME>tm2332717d2_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font-size: 10pt; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-transform: uppercase; text-align: right; margin: 0"><FONT STYLE="font-size: 10pt"><B>Exhibit 99.1</B></FONT></P>

<P STYLE="font-size: 10pt; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"><B>Consent
of Morgan Stanley &amp; Co. LLC</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">We hereby consent
to the use in the Registration Statement of Old National Bancorp (&ldquo;Old National&rdquo;) on Form S-4 (the &ldquo;Registration Statement&rdquo;)
and in the Proxy Statement/Prospectus of Old National and CapStar Financial Holdings, Inc. (&ldquo;CapStar&rdquo;), which is part of
the Registration Statement, of our opinion dated October 26, 2023, appearing as Annex C to such Proxy Statement/Prospectus, and to the
description of such opinion and to the references to our name contained therein under the headings <I>&ldquo;Summary&mdash;Opinion of
CapStar&rsquo;s Financial Advisor</I>,&rdquo; &ldquo;<I>The Merger&mdash;Background of the Merger</I>,&rdquo; and &ldquo;<I>The Merger&mdash;Opinion
of CapStar&rsquo;s Financial Advisor.</I>&rdquo; In giving the foregoing consent, we do not admit that we come within the category of
persons whose consent is required under Section 7 of the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;), or the
rules or regulations promulgated thereunder, nor do we admit that we are experts with respect to any part of such Registration Statement
within the meaning of the term &ldquo;experts&rdquo; as used in the Securities Act or the rules and regulations promulgated thereunder.</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">MORGAN STANLEY &amp; CO. LLC</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><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="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 47%">/s/ Sarah Gore</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Sarah Gore</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Managing Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><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="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">New York, New York</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">January 3, 2024</FONT></TD></TR>
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<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>8
<FILENAME>tm2332717d2_ex-filingfees.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
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<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit&nbsp;107</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: center"><B>Calculation of Filing Fee Table</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: center"><B><U>Form&nbsp;S-4</U></B>&nbsp;</P>

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

<P STYLE="font: 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><U>Old National Bancorp</U></B>&nbsp;</P>

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

<P STYLE="font: 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"><U>Table 1: Newly Registered Securities</U></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%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; font: 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Security<BR>
    Type</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Security<BR>
    Class&nbsp;Title</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Fee<BR>
    Calculation<BR>
    Rule</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Amount<BR>
    Registered</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Proposed<BR>
    Maximum<BR>
    Offering<BR>
    Price Per<BR>
    Unit</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Maximum<BR>
    Aggregate<BR>
    Offering Price</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Fee
    Rate</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Amount
    of<BR>
    Registration<BR>
    Fee</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Carry<BR>
    Forward<BR>
    Form&nbsp;Type</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Carry<BR>
    Forward File<BR>
    Number</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">Filing
    Fee<BR>
    Previously<BR>
    Paid in<BR>
    Connection<BR>
    with<BR>
    Unsold<BR>
    Securities<BR>
    to be<BR>
    Carried<BR>
    Forward</FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD COLSPAN="30" STYLE="font: 8pt Times New Roman, Times, Serif; text-align: center"><B>Newly Registered Securities</B></TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: bold 8pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 3%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">Fees to Be Paid</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 7%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">Equity</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; width: 6%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Common
                                            Stock, no par value</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; width: 6%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Other</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 6%; font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">24,278,356</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP></FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 6%; font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="white-space: nowrap; width: 6%; font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">396,020,963.64</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP></FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 6%; font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">0.00014760</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="width: 6%; font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">58,452.69</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP></FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 6%; font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 6%; font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">Fees Previously Paid</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="30" STYLE="font: 8pt Times New Roman, Times, Serif; text-align: center"><B>Carry Forward Securities</B></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">Carry Forward Securities</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8" STYLE="font: bold 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">Total Offering Amounts</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">58,452.69</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8" STYLE="font: bold 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">Total Fees Previously Paid</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8" STYLE="font: bold 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">Total Fee Offsets</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: bold 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8" STYLE="font: bold 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">Net Fee Due</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">58,452.69</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</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">(1)&nbsp;Represents the estimated maximum number of shares of common
stock, no par value (the &ldquo;Old National Common Stock&rdquo;) of Old National Bancorp (&ldquo;Old National&rdquo;) that may be issued
to holders of CapStar Financial Holdings,&nbsp;Inc. (&ldquo;CapStar&rdquo;) common stock, par value $1.00 per share (&ldquo;CapStar Common
Stock&rdquo;), upon the completion of the merger described in this registration statement on Form&nbsp;S-4. The number of Old National
Common Stock being registered is based on the product of (x)&nbsp;1.155, the exchange ratio for the merger and (y)&nbsp;21,020,221, the
estimated maximum number of shares of CapStar Common Stock that may be issued and outstanding as of immediately prior 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">(2)&nbsp;Estimated solely for the purpose of calculating the registration
fee required by Section&nbsp;6(b)&nbsp;of the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;), and computed pursuant
to Rules&nbsp;457(f)&nbsp;and 457(c)&nbsp;thereunder. The proposed maximum aggregate offering price <FONT STYLE="background-color: white">is
solely for the purpose of calculating the registration fee and was calculated based upon the market value of shares of </FONT>CapStar
Common Stock <FONT STYLE="background-color: white">(the securities to be exchanged and cancelled in the merger) as the product of </FONT>(A)&nbsp;$18.84,
the average of the high and low prices per share of CapStar Common Stock as reported on the NASDAQ Stock Market LLC on December&nbsp;29,
2023, <FONT STYLE="background-color: white">which is within five business days prior to the filing of this registration statement on Form&nbsp;S-4</FONT>
by (B)&nbsp;21,020,221, the estimated maximum number of shares of CapStar Common Stock to be cancelled and exchanged for shares of Old
National Common Stock upon consummation of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(3)&nbsp;Determined in accordance with Section&nbsp;6(b)&nbsp;of the
Securities Act at a rate equal to $147.60 per $1,000,000 of the proposed maximum aggregate offering.</P>

<P STYLE="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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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
