<SEC-DOCUMENT>0001193125-21-176644.txt : 20210528
<SEC-HEADER>0001193125-21-176644.hdr.sgml : 20210528
<ACCEPTANCE-DATETIME>20210528134206
ACCESSION NUMBER:		0001193125-21-176644
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		22
CONFORMED PERIOD OF REPORT:	20210525
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210528
DATE AS OF CHANGE:		20210528

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			VALLEY NATIONAL BANCORP
		CENTRAL INDEX KEY:			0000714310
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				222477875
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11277
		FILM NUMBER:		21978984

	BUSINESS ADDRESS:	
		STREET 1:		ONE PENN PLAZA
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119
		BUSINESS PHONE:		(973) 305-8800

	MAIL ADDRESS:	
		STREET 1:		ONE PENN PLAZA
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d147793d8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:us-types="http://fasb.org/us-types/2020-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:vlypo="http://imetrix.edgar-online.com/20210525" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>Form 8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body>
 <div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2021-05-25_to_2021-05-25">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2021-05-25_to_2021-05-25">0000714310</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="vlypo-20210525.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2021-05-25_to_2021-05-25"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000714310</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2021-05-25</xbrli:startDate> <xbrli:endDate>2021-05-25</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000714310</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2021-05-25</xbrli:startDate> <xbrli:endDate>2021-05-25</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesAPreferredStockMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000714310</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesAPreferredStockMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2021-05-25</xbrli:startDate> <xbrli:endDate>2021-05-25</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesBPreferredStockMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000714310</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2021-05-25</xbrli:startDate> <xbrli:endDate>2021-05-25</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="text-align:center"> <div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto"> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p> <p style="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">UNITED STATES</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">SECURITIES AND EXCHANGE COMMISSION</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">WASHINGTON, D.C. 20549</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">FORM <span style="white-space:nowrap"><ix:nonNumeric name="dei:DocumentType" contextRef="duration_2021-05-25_to_2021-05-25">8-K</ix:nonNumeric></span></p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">CURRENT REPORT</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">PURSUANT TO SECTION 13 OR 15(d)</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">OF THE SECURITIES EXCHANGE ACT OF 1934</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Date of report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2021-05-25_to_2021-05-25" format="ixt:datemonthdayyearen">May 25, 2021</ix:nonNumeric></p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityRegistrantName" contextRef="duration_2021-05-25_to_2021-05-25">VALLEY NATIONAL BANCORP</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Exact Name of Registrant as Specified in Charter)</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2021-05-25_to_2021-05-25" format="ixt-sec:stateprovnameen">New Jersey</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2021-05-25_to_2021-05-25">1-11277</ix:nonNumeric></span></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2021-05-25_to_2021-05-25">22-2477875</ix:nonNumeric></span></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(State or Other Jurisdiction</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">of Incorporation)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Commission</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">File Number)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(I.R.S. Employer</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Identification Number)</p></td></tr></table> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2021-05-25_to_2021-05-25">One Penn Plaza</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2021-05-25_to_2021-05-25">New York</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2021-05-25_to_2021-05-25" format="ixt-sec:stateprovnameen">New York</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2021-05-25_to_2021-05-25">10119</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold">(Address of Principal Executive Offices)</span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold">(Zip Code)</span></td></tr></table> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top" colspan="5"><span style="font-weight:bold"><ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2021-05-25_to_2021-05-25">(973)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2021-05-25_to_2021-05-25">305-8800</ix:nonNumeric></span></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top" colspan="5"><span style="font-weight:bold">(Registrant&#8217;s telephone number, including area code)</span></td></tr></table> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the Form <span style="white-space:nowrap">8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (<span style="font-style:italic">see</span> General Instruction A.2. below):</p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2021-05-25_to_2021-05-25" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2021-05-25_to_2021-05-25" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Soliciting material pursuant to Rule <span style="white-space:nowrap">14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12)</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2021-05-25_to_2021-05-25" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">14d-2(b)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b))</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2021-05-25_to_2021-05-25" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">13e-4(c)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c))</span></p></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Securities registered pursuant to Section 12(b) of the Act:</p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Symbol(s)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">on which registered</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common Stock, no par value</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">VLY</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" format="ixt-sec:exchnameen">Nasdaq Global Select Market</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesAPreferredStockMember"><span style="font-weight:bold"><span style="white-space:nowrap">Non-Cumulative</span> Perpetual Preferred Stock, Series A, no par value</span></ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesAPreferredStockMember">VLYPP</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesAPreferredStockMember" format="ixt-sec:exchnameen">Nasdaq Global Select Market</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesBPreferredStockMember"><span style="font-weight:bold"><span style="white-space:nowrap">Non-Cumulative</span> Perpetual Preferred Stock, Series B, no par value</span></ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesBPreferredStockMember">VLYPO</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesBPreferredStockMember" format="ixt-sec:exchnameen">Nasdaq Global Select Market</ix:nonNumeric></span></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &#167;230.405 of this chapter) or Rule <span style="white-space:nowrap">12b-2</span> of the Securities Exchange Act of 1934 (17 CFR <span style="white-space:nowrap">&#167;240.12b-2</span> of this chapter).</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2021-05-25_to_2021-05-25" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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;13(a) of the Exchange Act. &#9744;</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p></div></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />


<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;1.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Entry into a Material Definitive Agreement. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On May&#160;25, 2021, Valley National Bancorp (the &#8220;Company&#8221;) and Valley National Bank (the &#8220;Bank) entered into an underwriting agreement (the &#8220;Underwriting Agreement&#8221;) with Piper Sandler&#160;&amp; Co. and BofA Securities, Inc., as representatives of the underwriters named therein (the &#8220;Underwriters&#8221;) pursuant to which, subject to the satisfaction of the conditions set forth therein, the Company agreed to sell, and the Underwriters agreed to purchase, $300,000,000 aggregate principal amount of the Company&#8217;s 3.00% <span style="white-space:nowrap"><span style="white-space:nowrap">Fixed-to-Floating</span></span> Rate Subordinated Notes due 2031 (the &#8220;Notes&#8221;). The Company estimates that the net proceeds of the offering of the Notes were approximately $296.1&#160;million, after deducting the underwriting discounts and estimated expenses of the offering. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes were sold pursuant to shelf registration statement on Form <span style="white-space:nowrap">S-3</span> (File <span style="white-space:nowrap">No.&#160;333-254696)</span> (the &#8220;Registration Statement&#8221;), which was filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;) on March&#160;25, 2021, and became automatically effective on March&#160;25, 2021. A preliminary prospectus supplement, dated May&#160;25, 2021, relating to the Notes was filed with the SEC pursuant to Rule 424(b) under the Securities Act and a final prospectus supplement, dated May&#160;25, 2021, relating to the Notes was filed with the SEC pursuant to Rule 424(b) under the Securities Act. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company made certain customary representations, warranties and covenants in the Underwriting Agreement. Pursuant to the Underwriting Agreement, the Company agreed to indemnify the Underwriters against certain liabilities, including liabilities related to the Registration Statement, the preliminary prospectus supplement, the final prospectus supplement and any free writing prospectus used by the Company. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes were issued pursuant to an indenture, dated May&#160;28, 2021 (the &#8220;Base Indenture&#8221;), between the Company and U.S. Bank National Association, as trustee (the &#8220;Trustee&#8221;), as supplemented by the first supplemental indenture thereto, dated May&#160;28, 2021 (the &#8220;Supplemental Indenture&#8221; and, together with the Base Indenture, the &#8220;Indenture&#8221;), between the Company and the Trustee. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes are the Company&#8217;s unsecured, subordinated obligations. Unless earlier redeemed, the Notes will mature on June&#160;15, 2031. From and including the date of issuance to, but excluding June&#160;15, 2026 or any earlier redemption date, the Notes will bear interest at a fixed annual interest rate equal to 3.00%, payable semi-annually in arrears on each June&#160;15 and December&#160;15, commencing on December&#160;15, 2021. From and including June&#160;15, 2026 to, but excluding, the maturity date or the date of earlier redemption, the interest rate will reset quarterly to an annual interest rate equal to the three-month SOFR plus a spread of 236 basis points (2.36%), payable quarterly in arrears on each March&#160;15, June&#160;15, September&#160;15 and December&#160;15, beginning on September&#160;15, 2026. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes are unsecured and shall rank subordinate and junior, to the extent and in the manner set forth in the Indenture, in right of payment and upon liquidation of all the Company&#8217;s obligations to the holders of senior debt of the Company. The Notes shall rank equally among themselves and with all of the Company&#8217;s other subordinated unsecured indebtedness that, in the instrument creating or evidencing the same or pursuant to which the same is outstanding, provides that such obligations are not superior in right of payment to the Notes or to other indebtedness that is <span style="font-style:italic">pari passu</span> with, or is not subordinate to, the Notes. It is intended that the Notes be and are Tier 2 capital or the equivalent, for all regulatory purposes. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes may be redeemed at the Company&#8217;s option under certain circumstances, as described in the Indenture. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The foregoing summary of the terms of the Underwriting Agreement, the Indenture and the Notes does not purport to be complete and is subject to, and qualified in its entirety by, the full text of (i)&#160;the Underwriting Agreement, (ii)&#160;the Base Indenture, (iii)&#160;the Supplemental Indenture and (iv)&#160;the form of the Notes, each of which is attached hereto as an exhibit and is incorporated herein by reference. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;2.03</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Creation of a Direct Financial Obligation or an Obligation under an <span style="white-space:nowrap">Off-Balance</span> Sheet Arrangement of a Registrant. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information set forth in Item 1.01 above is incorporated by reference into this Item 2.03. </p>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />


<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;8.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Other Events. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On May&#160;25, 2021, the Company issued a press release announcing the pricing of the offering of the Notes, which is filed herewith as Exhibit 99.1. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;9.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Financial Statements and Exhibits. </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top" align="left">(d)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Exhibits </p></td></tr></table> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">


<tr>

<td></td>

<td style="vertical-align:bottom;width:3%"></td>
<td style="width:94%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top">1.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex11.htm">Underwriting Agreement, dated as of May&#160;25, 2021, by and among Valley National Bancorp, Valley National Bank, Piper Sandler&#160;&amp; Co. and BofA Securities, Inc. </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">4.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex41.htm">Base Indenture, dated May&#160;28, 2021, by and between Valley National Bancorp and U.S. Bank National Association. </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top">4.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex42.htm">First Supplemental Indenture, dated May&#160;28, 2021, by and between Valley National Bancorp and U.S. Bank National Association. </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top">4.3</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex42.htm">Form of Global Note for Valley National Bancorp&#8217;s 3.00% <span style="white-space:nowrap"><span style="white-space:nowrap">Fixed-to-Floating</span></span> Subordinated Notes due 2031 (included in Exhibit 4.2). </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">5.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex51.htm">Opinion of Covington&#160;&amp; Burling, LLP. </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">5.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex52.htm">Opinion of Ronald H. Janis, Esq. </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">23.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex51.htm">Consent of Covington&#160;&amp; Burling LLP (included in Exhibit 5.1). </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">23.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex52.htm">Consent of Ronald H. Janis (included in Exhibit 5.2). </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">99.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><a href="d147793dex991.htm">Press Release, dated May&#160;25, 2021. </a></p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">104</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cover Page Interactive Data File (embedded within the Inline XBRL document).</p></td></tr>
</table>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />


<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">SIGNATURE </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0">


<tr>

<td style="width:47%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:4%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:47%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top">Dated: May&#160;28, 2021</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap"><span style="font-weight:bold">VALLEY NATIONAL BANCORP</span></td></tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">By:</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Ronald H. Janis</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">Ronald H. Janis</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Senior Executive Vice President</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">and General Counsel</p></td></tr>
</table>
</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>d147793dex11.htm
<DESCRIPTION>EX-1.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-1.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 1.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Valley National Bancorp </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(a New
Jersey corporation) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$300,000,000 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes due
June&nbsp;15, 2031 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>UNDERWRITING AGREEMENT </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">May&nbsp;25, 2021 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PIPER SANDLER&nbsp;&amp; CO.
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOFA SECURITIES, INC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">as Representatives of the several
Underwriters listed in <U>Schedule A</U> hereto </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">c/o Piper Sandler&nbsp;&amp; Co. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">1251 Avenue of the Americas, 6th Floor </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">New York, New York 10020 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">BofA
Securities, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">One Bryant Park </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">New York, New York 10036 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen:
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Valley National Bancorp, a New Jersey corporation (the &#147;<B>Company</B>&#148;), proposes to issue and sell to the several
underwriters named in <U>Schedule A</U> hereto (the &#147;<B>Underwriters</B>&#148;) pursuant to the terms set forth herein (this &#147;<B>Agreement</B>&#148;) $300,000,000 aggregate principal amount of the Company&#146;s 3.00% <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes due June&nbsp;15, 2031 (the &#147;<B>Securities</B>&#148;). The Securities will be issued pursuant to an indenture, to be dated as of
the Closing Time (the &#147;<B>Base</B> <B>Indenture</B>&#148;), between the Company and U.S. Bank National Association, a national banking association, as trustee (the &#147;<B>Trustee</B>&#148;), as supplemented by a supplemental indenture thereto
relating to the Securities, to be dated as of the Closing Time, between the Company and the Trustee (the &#147;<B>Supplemental Indenture</B>&#148; and, together with the Base Indenture, the &#147;<B>Indenture</B>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler&nbsp;&amp; Co. (<B>&#147;Piper Sandler&#148;</B>) and BofA Securities, Inc. (&#147;<B>BofA</B>&#148;) have agreed to act as
representatives of the several Underwriters (in such capacity, the &#147;<B>Representatives</B>&#148;) in connection with the offering and sale of the Securities. In all dealings hereunder, the Representatives shall act on behalf of each of the
Underwriters, and the parties hereto shall be entitled to act and rely upon any statement, request, notice or agreement on behalf of any Underwriter made or given by the Representatives. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company has prepared and filed with the United States Securities and Exchange Commission
(the &#147;<B>Commission</B>&#148;) an &#147;automatic shelf registration statement,&#148; as defined under Rule 405 (&#147;<B>Rule 405</B>&#148;) under the Securities Act of 1933, as amended (the &#147;<B>Securities Act</B>&#148;), on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> (File <FONT STYLE="white-space:nowrap">No.&nbsp;333-254696)</FONT> covering the public offering and sale from time to time of certain securities of the Company, including the Securities, under the Securities Act
and the rules and regulations promulgated thereunder (the &#147;<B>Securities Act Regulations</B>&#148;), which automatic shelf registration statement became effective upon filing with the Commission under Rule 462(e) of the Securities Act
Regulations (&#147;<B>Rule 462(e)</B>&#148;). Such registration statement, as of any time, means such registration statement as amended by any post-effective amendment thereto at such time, including the exhibits and any schedules thereto at such
time, the documents incorporated or deemed to be incorporated by reference therein at such time pursuant to Item 12 of Form <FONT STYLE="white-space:nowrap">S-3</FONT> under the Securities Act and the documents otherwise deemed to be a part thereof
as of such time pursuant to Rule 430B of the Securities Act Regulations (&#147;<B>Rule 430B</B>&#148;), is referred to herein as the &#147;<B>Registration Statement</B>&#148;; provided, that the &#147;Registration Statement&#148; without reference
to a time means such registration statement as amended by any post-effective amendment thereto as of the time of the first contract of sale for the Securities, which time shall be considered the &#147;new effective date&#148; of the Registration
Statement with respect to the Securities within the meaning of Rule 430B(f)(2), including the exhibits and schedules thereto as of such time, the documents incorporated or deemed to be incorporated by reference therein at such time pursuant to Item
12 of Form <FONT STYLE="white-space:nowrap">S-3</FONT> under the Securities Act and the documents otherwise deemed to be a part thereof as of such time pursuant to Rule 430B. Each preliminary prospectus supplement and the base prospectus used in
connection with the offering of the Securities, including the documents incorporated or deemed to be incorporated by reference therein pursuant to Item 12 of Form <FONT STYLE="white-space:nowrap">S-3</FONT> under the Securities Act immediately prior
to the Applicable Time (as defined below), are collectively referred to herein as a &#147;<B>preliminary prospectus</B>.&#148; The Company will prepare and file a final prospectus supplement relating to the Securities in accordance with the
provisions of Rule 424(b) of the Securities Act Regulations (&#147;<B>Rule 424(b)</B>&#148;) within the time periods specified in Rule 424(b) and Rule 430B. The final prospectus supplement and the base prospectus, in the form first furnished to the
Underwriters for use in connection with the offering and sale of the Securities, including the documents incorporated or deemed to be incorporated by reference therein pursuant to Item 12 of Form <FONT STYLE="white-space:nowrap">S-3</FONT> under the
Securities Act immediately prior to the Applicable Time (as defined below), are collectively referred to herein as the &#147;<B>Prospectus</B>.&#148; For purposes of this Agreement, all references to the Registration Statement, any preliminary
prospectus, the Prospectus, any Issuer Free Writing Prospectus or any amendment or supplement thereto shall be deemed to include the copy filed with the Commission pursuant to its Electronic Data Gathering, Analysis and Retrieval system (or any
successor system) (&#147;<B>EDGAR</B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this Agreement: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Applicable Time</B>&#148; means 4:50 p.m., New York City time, on May&nbsp;25, 2021 or such other time as agreed by
the Company and the Representatives. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Pricing Disclosure Package</B>&#148; means each Issuer General Use Free
Writing Prospectus and the most recent preliminary prospectus furnished to the Underwriters for general distribution to investors prior to the Applicable Time, all considered together. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer Free Writing Prospectus</B>&#148; means (a)&nbsp;the
&#147;Term Sheet&#148; (as defined below), (b) the Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> containing the investor presentation and filed with the Commission, which will be incorporated by reference into the Prospectus,
and (b)&nbsp;any &#147;issuer free writing prospectus,&#148; as defined in Rule 433 of the Securities Act Regulations (&#147;<B>Rule 433</B>&#148;), including, without limitation, any &#147;free writing prospectus&#148; (as defined in Rule 405)
relating to the Securities that is (i)&nbsp;required to be filed with the Commission by the Company, (ii)&nbsp;a &#147;road show that is a written communication&#148; within the meaning of Rule 433(d)(8)(i), whether or not required to be filed with
the Commission, or (iii)&nbsp;exempt from filing with the Commission pursuant to Rule 433(d)(5)(i) because it contains a description of the Securities or of the offering thereof that does not reflect the final terms, in each case in the form filed
or required to be filed with the Commission or, if not required to be filed, in the form retained in the Company&#146;s records pursuant to Rule 433(g). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer General Use Free Writing Prospectus</B>&#148; means any Issuer Free Writing Prospectus that is intended for
general distribution to investors, as evidenced by its being specified in <U>Schedule B</U> hereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer
Limited Use Free Writing Prospectus</B>&#148; means any Issuer Free Writing Prospectus that is not an Issuer General Use Free Writing Prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Significant Subsidiary</B>&#148; means a Subsidiary that meets the requirements of a &#147;significant
subsidiary&#148; as defined in Rule <FONT STYLE="white-space:nowrap">1-02(w)</FONT> of Regulation <FONT STYLE="white-space:nowrap">S-X.</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Subsidiary&#148; </B>means a subsidiary (as defined in Rule 405 under the Securities Act) of the Company<B>.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Term Sheet</B>&#148; means a pricing term sheet substantially in the form of <U>Schedule C</U> hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All references in this Agreement to financial statements and schedules and other information which is &#147;contained,&#148;
&#147;included&#148; or &#147;stated&#148; (or other references of like import) in the Registration Statement, any preliminary prospectus or the Prospectus shall be deemed to include all such financial statements and schedules and other information
incorporated or deemed to be incorporated by reference in the Registration Statement, any preliminary prospectus or the Prospectus, as the case may be, prior to the Applicable Time; and all references in this Agreement to amendments or supplements
to the Registration Statement, any preliminary prospectus or the Prospectus shall be deemed to include the filing of any document under the Securities Exchange Act of 1934, as amended (the &#147;<B>Exchange Act</B>&#148;), and the rules and
regulations promulgated thereunder (the &#147;<B>Exchange Act Regulations</B>&#148;) incorporated or deemed to be incorporated by reference in the Registration Statement, such preliminary prospectus or the Prospectus, as the case may be, at or after
the Applicable Time. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 1.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Representations and Warranties by the Company</I>. The Company represents and warrants to each Underwriter at the
date hereof, the Applicable Time and the Closing Time (as defined below), and agrees with each Underwriter, as follows: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance of the Registration Statement, the
Prospectus and Incorporated Documents</U>. The Company meets the requirements for use of Form <FONT STYLE="white-space:nowrap">S-3</FONT> under the Securities Act. The Registration Statement is an automatic shelf registration statement under Rule
405, and the offer and sale of the Securities is registered by the Company on such automatic shelf registration statement. Each of the Registration Statement and any post-effective amendment thereto has become automatically effective under the
Securities Act and the initial effective date of the Registration Statement is not more than three years before the date of this Agreement. No stop order suspending the effectiveness of the Registration Statement or any post-effective amendment
thereto has been issued under the Securities Act, no notice of objection of the Commission to the use of the Registration Statement or any post-effective amendment thereto pursuant to Rule 401(g)(2) of the Securities Act Regulations (&#147;<B>Rule
401(g)(2)</B>&#148;) has been received by the Company, no order preventing or suspending the use of any preliminary prospectus or the Prospectus or any amendment or supplement thereto has been issued and no proceedings for any of those purposes have
been instituted or are pending or, to the Company&#146;s knowledge, contemplated. The Company has complied with each request (if any) from the Commission for additional information. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of the Registration Statement and any post-effective amendment thereto, at the time of its effectiveness, as of each
deemed effective date with respect to the Underwriters pursuant to Rule 430B(f)(2), and at the Closing Time, complied and will comply in all material respects with the requirements of the Securities Act, the Securities Act Regulations, the Trust
Indenture Act of 1939, as amended (the &#147;<B>Trust Indenture Act</B>&#148;), and the rules and regulations promulgated under the Trust Indenture Act. Each preliminary prospectus, the Prospectus and any amendment or supplement thereto, at the time
each was filed or is hereafter filed with the Commission and at the Closing Time complied and will comply in all material respects with the requirements of the Securities Act and the Securities Act Regulations and are and will be identical to the
electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation <FONT STYLE="white-space:nowrap">S-T.</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">The documents incorporated or deemed to be incorporated by reference in the Registration Statement, the Pricing Disclosure
Package and the Prospectus, when they became effective or at the time such documents were or hereafter are filed with the Commission, complied and will comply in all material respects with the requirements of the Exchange Act and the Exchange Act
Regulations. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Accurate Disclosure</U>. Neither the Registration Statement nor any
post-effective amendment thereto, at its effective time and at the Closing Time contained, contains or will contain an untrue statement of a material fact or omitted, omits or will omit to state a material fact required to be stated therein or
necessary to make the statements therein not misleading. At the Applicable Time, neither (A)&nbsp;the Pricing Disclosure Package nor (B)&nbsp;any individual Issuer Limited Use Free Writing Prospectus, when considered together with the Pricing
Disclosure Package, included, includes or will include an untrue statement of a material fact or omitted, omits or will omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which
they were made, not misleading. Neither the Prospectus nor any amendment or supplement </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
thereto, as of its date and at the Closing Time, included, includes or will include an untrue statement of a material fact or omitted, omits or will omit to state a material fact necessary in
order to make the statements therein, in the light of the circumstances under which they were made, not misleading. The documents incorporated or deemed to be incorporated by reference in the Registration Statement, the Pricing Disclosure Package
and the Prospectus, at the time the Registration Statement became effective or when such incorporated documents were filed with the Commission, as the case may be, when read together with the other information in the Registration Statement, the
Pricing Disclosure Package or the Prospectus, as the case may be, did not, do not and will not include an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein
not misleading. There are no statutes, regulations, documents or contracts of a character required to be described in the Registration Statement, the Pricing Disclosure Package and the Prospectus, or to be filed as an exhibit to the Registration
Statement, which are not described or filed as required. There are no business relationships or related person transactions involving the Company or any Subsidiary (as defined herein) or any other person required to be described in the Registration
Statement, the Pricing Disclosure Package and the Prospectus that have not been described as required. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">The representations
and warranties in this subsection shall not apply to statements in or omissions from the Registration Statement or any amendment thereto or the Pricing Disclosure Package or the Prospectus or any amendment or supplement thereto made in reliance upon
and in conformity with written information furnished to the Company by any Underwriter through the Representatives expressly for use therein. For purposes of this Agreement, the only information so furnished shall be the information in the second
and third sentences of the third paragraph, the third and fourth sentences under the subheading &#147;No Public Trading Markets&#148; and the first and sixth sentences in the first paragraph under the subheading &#147;Stabilization&#148;, each under
the heading &#147;Underwriting,&#148; in each case, contained in the Registration Statement, the preliminary prospectus contained in the Pricing Disclosure Package and the Prospectus (collectively, the &#147;<B>Underwriter Information</B>&#148;).
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Issuer Free Writing Prospectuses</U>. No Issuer Free Writing Prospectus conflicts or will
conflict with the information contained in the Registration Statement, any preliminary prospectus or the Prospectus, including any document incorporated by reference therein, that has not been superseded or modified. If, at any time prior to or as
of the Closing Time and following issuance of an Issuer Free Writing Prospectus, there occurred or occurs an event or development as a result of which such Issuer Free Writing Prospectus conflicted or would conflict with the information then
contained in the Registration Statement in any material respect or as a result of which such Issuer Free Writing Prospectus, if republished immediately following such event or development, would include an untrue statement of a material fact or
omitted or would omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading, (A)&nbsp;the Company has promptly notified or will promptly notify the
Representatives thereof and (B)&nbsp;the Company has promptly amended or will promptly amend or supplement such Issuer Free Writing Prospectus to eliminate or correct such conflict, untrue statement or omission. Any offer that is a written
communication relating to the Securities made prior to the initial filing of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
the Registration Statement by the Company or any person acting on its behalf (within the meaning, for this paragraph only, of paragraph (c)&nbsp;of Rule 163 of the Securities Act Regulations
(&#147;<B>Rule 163</B>&#148;)) has been filed with the Commission in accordance with the exemption provided by Rule 163 and otherwise complied with the requirements of Rule 163, including, without limitation, the legending requirement, to qualify
such offer for the exemption from Section&nbsp;5(c) of the Securities Act provided by Rule 163. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Well-Known Seasoned Issuer</U>. (A)&nbsp;At the original effectiveness of the Registration
Statement, (B)&nbsp;at the time of the most recent amendment thereto for the purposes of complying with Section&nbsp;10(a)(3) of the Securities Act (whether such amendment was by post-effective amendment, incorporated report filed pursuant to
Section&nbsp;13 or 15(d) of the Exchange Act or form of prospectus), (C) at the time the Company or any person acting on its behalf (within the meaning, for this clause only, of Rule 163(c)) made any offer relating to the Securities in reliance on
the exemption of Rule 163 and (D)&nbsp;at the Applicable Time, the Company was and is a &#147;well-known seasoned issuer,&#148; as defined in Rule 405. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Not Ineligible Issuer</U>. (A)&nbsp;At the time of filing the Registration Statement and
any post-effective amendment thereto, (B)&nbsp;at the earliest time thereafter that the Company or another offering participant made a <I>bona fide</I> offer (within the meaning of Rule 164(h)(2) of the Securities Act Regulations) of the Securities
and (C)&nbsp;at the Applicable Time, the Company was not and is not an &#147;ineligible issuer,&#148; as defined in Rule 405. The Company has paid the registration fee for this offering pursuant to Rule 456(b)(1) under the Securities Act or will pay
such fee within the time period required by such rule (without giving effect to the proviso therein) and in any event prior to the Closing Time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Independent Accountants</U>. KPMG LLP, the accounting firm that audited and expressed an opinion
on the consolidated financial statements of the Company that are incorporated by reference into the Registration Statement, the Pricing Disclosure Package and the Prospectus, is (i)&nbsp;an independent public accountant as required by the Securities
Act, the Securities Act Regulations, the Exchange Act, the Exchange Act Regulations and the Public Company Accounting Oversight Board (the &#147;<B>PCAOB</B>&#148;), (ii) a registered public accounting firm, as defined by the PCAOB, which has not
had its registration superseded or revoked and which has not requested that such registration be withdrawn, and (iii)&nbsp;with respect to the Company, is not and has not been in violation of the auditor independence requirements of the
Sarbanes-Oxley Act of 2002 (the &#147;<B>Sarbanes-Oxley Act</B>&#148;) and the rules and regulations of the Commission. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial Statements; <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures</U>.
The financial statements of each of the Company and its consolidated Subsidiaries (as defined below), and Oritani included in the Registration Statement, the Pricing Disclosure Package and the Prospectus, together with the related schedules and
notes, comply with the requirements of the Securities Act and present fairly, in all material respects, (A)&nbsp;the financial position of the Company and its consolidated Subsidiaries (as defined below) and (B)&nbsp;the statements of operations,
stockholders&#146; equity and cash flows of the Company and its consolidated Subsidiaries. The financial statements of each of the Company and its consolidated Subsidiaries (as defined below) have been prepared in conformity with U.S. generally
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
accepted accounting principles (&#147;<B>GAAP</B>&#148;) applied on a consistent basis throughout the periods involved. The supporting schedules, if any, present fairly in accordance with GAAP
the information required to be stated therein. The selected financial data and the summary financial information included in the Registration Statement, the Pricing Disclosure Package and the Prospectus present fairly, in all material respects, the
information shown therein and have been compiled on a basis consistent with that of the audited financial statements included or incorporated by reference therein. Except as included therein, no historical or pro forma financial statements or
supporting schedules are required to be included in the Registration Statement, any preliminary prospectus or the Prospectus. To the extent applicable, all disclosures contained in the Registration Statement, the Pricing Disclosure Package or the
Prospectus, if any, regarding <FONT STYLE="white-space:nowrap">&#147;non-GAAP</FONT> financial measures&#148; (as such term is defined by the rules and regulations of the Commission) comply with Item 10(e) of Regulation <FONT
STYLE="white-space:nowrap">S-K</FONT> under the Securities Act and Regulation G under the Exchange Act. The interactive data in eXtensible Business Reporting Language incorporated by reference in the Registration Statement, the Pricing Disclosure
Package and the Prospectus is updated as necessary to comply with the requirements of the Securities Act and the Commission&#146;s rules and guidelines applicable thereto and present fairly, in all material respects, the consolidated financial
position, results of operations and changes in financial position of each of the Company and its subsidiaries (the &#147;<B>Subsidiaries</B>&#148;), on the basis stated in the Registration Statement at the respective dates or for the respective
periods to which they apply. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Material Adverse Change in Business</U>. Since the
respective dates as of which information is given in the Registration Statement, the Pricing Disclosure Package and the Prospectus, except as otherwise stated therein, (A)&nbsp;there has been no material adverse effect, or any development that would
reasonably be expected to result in a material adverse effect, (i)&nbsp;on the general affairs, condition (financial or otherwise), business, properties, prospects, management, financial position, shareholders&#146; equity, assets, liabilities or
results of operations, of the Company and its Subsidiaries considered as one enterprise, whether or not arising in the ordinary course of business or (ii)&nbsp;in the ability of the Company to perform its obligations under, and to consummate the
transactions contemplated by, this Agreement (each of (i)&nbsp;and (ii) a &#147;<B>Material Adverse Effect</B>&#148;), (B) there has not been any material change in the capital stock, of the Company or any of its Subsidiaries, or (1)&nbsp;any change
in the short-term debt or long-term debt of the Company or any of the Subsidiaries, other than advances from the Federal Home Loan Bank of New York or borrowings from the Federal Reserve, or (2)&nbsp;any change in other indebtedness, other than
routine changes in deposits, regular short-term draws on available lines of credit, and other changes that the Company considers to be insignificant in type or immaterial in amount, (C)&nbsp;there have been no transactions entered into by, and no
obligations or liabilities, contingent or otherwise, incurred by the Company or any of the Subsidiaries, whether or not in the ordinary course of business, which are material to the Company and the Subsidiaries, considered as one enterprise,
(D)&nbsp;the Company has not purchased any of its outstanding capital stock and there has been no dividend or distribution of any kind declared, paid or made by the Company on any class of its capital stock or (E)&nbsp;there has been no material
loss or interference with the Company&#146;s business from fire, explosion, flood, epidemic or other calamity, whether or not covered by insurance, or from any labor dispute or court or governmental action, order or decree, in each case, otherwise
than as </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
set forth or contemplated in the Registration Statement, the Pricing Disclosure Package and the Prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix)&nbsp;&nbsp;&nbsp;&nbsp;<U>Good Standing of the Company</U>. The Company has been duly organized and is validly existing as
a corporation in good standing under the laws of the State of New Jersey and has corporate power and authority to own, lease and operate its properties and to conduct its business as described in the Registration Statement, the Pricing Disclosure
Package and the Prospectus and to enter into and perform its obligations under this Agreement; and the Company is duly qualified as a foreign corporation to transact business and is in good standing in each other jurisdiction in which such
qualification is required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure to so qualify or to be in good standing would not result in a Material Adverse Effect. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x)&nbsp;&nbsp;&nbsp;&nbsp;<U>Good Standing of Subsidiaries</U>. Valley National Bank (the &#147;<B>Bank</B>&#148;) is a bank
chartered under the laws of the United States of America to transact business as a national banking association and the charter of the Bank is in full force and effect. The Bank is the only depositary institution subsidiary of the Company. Each
Significant Subsidiary has been duly organized and is validly existing as a corporation or other organization in good standing under the laws of the jurisdiction of its incorporation, formation or organization, has the requisite corporate or
organizational power and authority to own, lease and operate its properties and to conduct its business as described in the Registration Statement, the Pricing Disclosure Package and the Prospectus and is duly qualified as a foreign corporation or
other business entity to transact business and is in good standing in each jurisdiction in which such qualification is required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure to so
qualify or to be in good standing would not result in a Material Adverse Effect. Except as otherwise disclosed in the Registration Statement, the Pricing Disclosure Package and the Prospectus, all of the issued and outstanding capital stock of each
Significant Subsidiary has been duly authorized and validly issued, is fully paid and <FONT STYLE="white-space:nowrap">non-assessable</FONT> and is owned by the Company, directly or through Subsidiaries, free and clear of any security interest,
mortgage, pledge, lien, encumbrance, claim or equity; none of the outstanding shares of capital stock of any Significant Subsidiary was issued in violation of the preemptive or similar rights of any securityholder of such Significant Subsidiary
arising by operation of law, or under the articles of incorporation, bylaws or other organizational documents of the Company or any Significant Subsidiary or under any agreement to which the Company or any Significant Subsidiary is a party. The only
Significant Subsidiaries of the Company are those listed on <U>Schedule D</U> hereto. Except for the Subsidiaries, the Company does not own beneficially, directly or indirectly, more than five percent (5%) of any class of equity securities or
similar interests in any corporation, business trust, association or similar organization, and is not, directly or indirectly, a partner in any partnership or party to any joint venture. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Capitalization</U>. The authorized, issued and outstanding capital stock of the Company and
consolidated long-term debt (i.e. a maturity greater than one year) as of December&nbsp;31, 2020 is as set forth in the Registration Statement, the Pricing Disclosure Package and the Prospectus in the column entitled &#147;Actual&#148; under the
caption </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
&#147;Capitalization&#148; (except for subsequent issuances, if any, pursuant to this Agreement, pursuant to reservations, agreements or employee benefit plans referred to in the Registration
Statement, the Pricing Disclosure Package and the Prospectus or pursuant to the exercise of convertible securities or options referred to in the Registration Statement, the Pricing Disclosure Package and the Prospectus). The shares of issued and
outstanding capital stock of the Company have been duly authorized and validly issued and are fully paid and <FONT STYLE="white-space:nowrap">non-assessable;</FONT> none of the outstanding shares of capital stock of the Company was issued in
violation of the preemptive rights, rights of first refusal or other similar rights of any securityholder of the Company arising by operation of law, or under the articles of incorporation, bylaws or other organizational documents of the Company or
under any agreement to which the Company is a party. There have been no long-term borrowings by the Company or its consolidated Subsidiaries since such date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Authorization of Agreement</U>. The Company has full right, power and authority to execute and
deliver this Agreement and to perform its obligations hereunder; and all action required to be taken for the due and proper authorization, execution and delivery by it of this Agreement and the consummation by it of the transactions contemplated
hereby has been duly and validly taken. This Agreement has been duly authorized, executed and delivered by the Company. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Securities Offerings</U>. All offers and sales of the Company&#146;s capital stock and debt or
other securities prior to the date hereof were made in compliance with or were the subject of an available exemption from the Securities Act and the Securities Act Regulations and all other applicable state and federal laws or regulations, or any
actions under the Securities Act and the Securities Act Regulations or any state or federal laws or regulations in respect of any such offers or sales are effectively barred by effective waivers or statutes of limitation. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Authorization, Validity and Enforceability of Indenture and Securities</U>. The Indenture has
been duly authorized, executed and delivered by the Company and, assuming the due authorization, execution and delivery of the Indenture by the Trustee, the Indenture constitutes a valid, legal and binding agreement of the Company enforceable
against the Company in accordance with its terms, except to the extent that enforceability may be limited by (a)&nbsp;bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer or other similar laws now or hereafter in effect relating
to creditors&#146; rights generally and (b)&nbsp;general principles of equity (regardless of whether enforceability is considered in a proceeding at law or in equity). The Indenture has been, and at the Closing Time will be, duly qualified under the
Trust Indenture Act. The Securities to be purchased by the Underwriters from the Company have been duly authorized for issuance and sale to the Underwriters pursuant to this Agreement and, at Closing, will have been duly executed by the Company, and
when authenticated and delivered by the Trustee in the manner provided for in the Indenture, and issued and delivered by the Company pursuant to this Agreement against payment of the consideration set forth herein, will constitute valid, legal and
binding obligations of the Company, enforceable against the Company in accordance with their terms, except to the extent that enforceability may be limited by (a)&nbsp;bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer or other
similar laws now or hereafter in effect relating to creditors&#146; rights generally and (b)&nbsp;general principles of equity </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
(regardless of whether enforceability is considered in a proceeding at law or in equity). The Securities will be in the form contemplated by, and will be entitled to the benefits of, the
Indenture. The description of the Indenture contained in the Registration Statement, the Pricing Disclosure Package and the Prospectus conforms in all material respects to the Indenture. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Registration Rights</U>. There are no contracts, agreements or understandings granting any
person registration rights or other similar rights to have any securities registered for resale pursuant to the Registration Statement or otherwise registered for resale or sold by the Company under the Securities Act by reason of filing of the
Registration Statement with the Commission or by reason of the sale of the Securities by the Company pursuant to this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xvi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Summaries of Legal Matters</U>. The statements set forth in the Registration Statement, the
Pricing Disclosure Package and the Prospectus under the captions &#147;Description of Notes&#148; and &#147;Certain Benefit Plan and ERISA Considerations&#148; and under the caption &#147;Supervision and Regulation&#148; in the Company&#146;s Annual
Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2020, insofar as they purport to describe legal matters or provisions of the laws and regulations or documents referred to therein, are accurate,
complete and fair in all material respects; and the statements set forth in the Pricing Disclosure Package and the Prospectus under the caption &#147;Certain United States Federal Income Tax Consequences&#148;, insofar as they purport to summarize
certain federal income tax laws of the United States, constitute a fair summary of the principal U.S. federal income tax consequences of an investment in the Securities. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xvii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Defaults and Conflicts</U>. The Company is not in violation of its Restated
Certificate of Incorporation (the &#147;<B>Charter</B>&#148;), or <FONT STYLE="white-space:nowrap">By-laws,</FONT> as amended and restated (the &#147;<B>Bylaws</B>&#148;); none of the Subsidiaries is in violation of its charter, bylaws or other
organizational documents and neither the Company nor any of its Subsidiaries is in default in the performance or observance of any obligation, agreement, covenant or condition contained in any contract, indenture, mortgage, deed of trust, loan or
credit agreement, note, lease or other agreement or instrument to which the Company or any of its Subsidiaries is a party or by which it or any of them may be bound, or to which any of the property or assets of the Company or any Subsidiary is
subject (collectively, &#147;<B>Agreements and Instruments</B>&#148;), or in violation of any law or statute or any judgment, order, rule or regulation of any court or arbitrator or governmental or regulatory authority, except for such violations or
defaults that would not, singly or in the aggregate, reasonably be expected to result in a Material Adverse Effect; and the execution, delivery and performance of this Agreement and the Indenture and the consummation of the transactions contemplated
herein and therein and in the Registration Statement (including the issuance and sale of the Securities and the use of the proceeds from the sale of the Securities as described in the Prospectus under the caption &#147;Use of Proceeds&#148;) and
compliance by the Company with its obligations hereunder have been duly authorized by all necessary corporate action and do not and will not, whether with or without the giving of notice or passage of time or both, conflict with or constitute a
breach of, or default or Repayment Event (as defined below) under, or result in the creation or imposition of any lien, charge or encumbrance upon any property or assets of the Company or any Subsidiary pursuant
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
to, the Agreements and Instruments (except for such conflicts, breaches or defaults or liens, charges or encumbrances that would not, singly or in the aggregate, reasonably be expected to result
in a Material Adverse Effect); nor will such action result in any violation of the provisions of the Charter or Bylaws of the Company or the charter, bylaws or other organizational document of any Subsidiary; nor will such action result in any
violation of any applicable law, statute, rule, regulation, judgment, order, writ or decree of any government, government instrumentality or court, domestic or foreign, having jurisdiction over the Company or any Subsidiary or any of their assets,
properties or operations (except for such violations that would not, singly or in the aggregate, reasonably be expected to result in a Material Adverse Effect). As used herein, a &#147;<B>Repayment Event</B>&#148; means any event or condition which
gives the holder of any note, debenture or other evidence of indebtedness (or any person acting on such holder&#146;s behalf) the right to require the repurchase, redemption or repayment of all or a portion of such indebtedness by the Company or any
Subsidiary. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xviii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Nasdaq Compliance</U>. The Company is in compliance in all material respects
with the requirements of The Nasdaq Global Select Market (&#147;<B>Nasdaq</B>&#148;) for continued listing of the Company&#146;s (A)&nbsp;common stock, no par value per share (the &#147;<B>Common Stock</B>&#148;), (B)
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Perpetual Preferred Stock, Series A, no par value per share (the <B>&#147;Series
A&#148;</B>), and <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">(C)&nbsp;Fixed-to-Floating</FONT></FONT> Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Perpetual Preferred Stock, Series B, no par value per share (the
<B>&#147;Series B&#148;</B> and together with the Common Stock and the Series A, the <B>&#147;Capital Stock&#148;</B>), thereon. The Company has taken no action designed to, or likely to have the effect of, terminating the registration of its
Capital Stock under the Exchange Act or the listing of its Capital Stock on Nasdaq, nor has the Company received any notification that the Commission or Nasdaq is contemplating terminating such registration or listing. The transactions contemplated
by this Agreement will not contravene the rules or regulations of Nasdaq. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xix)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Labor
Dispute</U>. No labor dispute with the employees of the Company or any Subsidiary exists or, to the knowledge of the Company, is imminent. The Company is not aware of any existing or imminent labor disturbance by the employees of any of its or any
Subsidiary&#146;s principal suppliers, vendors, customers or contractors, which, in either case, would, singly or in the aggregate, reasonably be expected to result in a Material Adverse Effect. Neither the Company nor any of the Significant
Subsidiaries is engaged in any unfair labor practice. Except for matters which would not, individually or in the aggregate, have a Material Adverse Effect, (A)&nbsp;there is (1)&nbsp;no unfair labor practice complaint pending or, to the
Company&#146;s knowledge, threatened against the Company or any of the Significant Subsidiaries before the National Labor Relations Board or any similar domestic or foreign body, and no grievance or arbitration proceeding arising out of or under
collective bargaining agreements is pending or, to the Company&#146;s knowledge, threatened, (2)&nbsp;no strike, labor dispute, slowdown or stoppage pending or, to the Company&#146;s knowledge, threatened against the Company or any of the
Significant Subsidiaries and (3)&nbsp;no union representation dispute currently existing concerning the employees of the Company or any of the Significant Subsidiaries, (B)&nbsp;to the Company&#146;s knowledge, no union organizing activities are
currently taking place concerning the employees of the Company or any of the Significant Subsidiaries and (C)&nbsp;there has been no violation of any federal, state, local or foreign law relating to discrimination in the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
hiring, promotion or pay of employees, any applicable wage or hour laws or any provision of the Employee Retirement Income Security Act of 1974, as amended, and the regulations and published
interpretations thereunder (collectively, <B>&#147;ERISA&#148;</B>) or any similar domestic or foreign law or the rules and regulations promulgated thereunder concerning the employees of the Company or any of the Significant Subsidiaries. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xx)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Proceedings</U>. There is no action, suit, proceeding, inquiry or investigation
before or brought by any court or governmental agency or body, domestic or foreign, now pending, or, to the knowledge of the Company, threatened, against or affecting the Company or any Subsidiary, which is required to be disclosed in the
Registration Statement (other than as disclosed therein), or which, individually or in the aggregate, would result in a Material Adverse Effect, or which would materially and adversely affect the properties or assets thereof, nor, to the
Company&#146;s knowledge, is there any basis for any such action, suit, inquiry, proceeding or investigation; the aggregate of all pending legal or governmental proceedings to which the Company or any Subsidiary is a party or of which any of their
respective property or assets is the subject which are not described in the Registration Statement, including ordinary routine litigation incidental to the business, individually or in the aggregate, would not result in a Material Adverse Effect.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Bank Holding Company Act</U>. The Company has been duly registered as, and meets in all
material respects the applicable requirements for qualification as, a bank holding company under the applicable provisions of the Bank Holding Company Act of 1956, as amended. The activities of the Subsidiaries are permitted of subsidiaries of a
bank holding company under applicable law and the rules and regulations of the Federal Reserve set forth in Title 12 of the Code of Federal Regulations. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with Bank Regulatory Authorities</U>. The Company and each of its Subsidiaries are
in compliance in all material respects with all applicable laws, rules and regulations (including, without limitation, all applicable regulations and orders) of, or agreements with, the Board of Governors of the Federal Reserve System (the
<B>&#147;Federal Reserve&#148;</B>), the Office of the Comptroller of the Currency (the &#147;<B>OCC</B>&#148;), the Federal Deposit Insurance Corporation, the Consumer Financial Protection Bureau (the &#147;<B>CFPB</B>&#148;), as applicable
(collectively, the &#147;<B>Bank Regulatory Authorities</B>&#148;), the Equal Credit Opportunity Act, the Fair Housing Act, the Truth in Lending Act, the Community Reinvestment Act (the &#147;<B>CRA</B>&#148;), the Home Mortgage Disclosure Act, the
Bank Secrecy Act and Title III of the USA Patriot Act, to the extent such laws or regulations apply to the Company or the Bank, as applicable. The Company and the Bank have no knowledge of any facts and circumstances, and have no reason to believe
that any facts or circumstances exist, that would cause the Bank (A)&nbsp;to be deemed not to be in satisfactory compliance with the CRA and the regulations promulgated thereunder or to be assigned a CRA rating by federal or state banking regulators
of lower than &#147;satisfactory,&#148; or (B)&nbsp;to be deemed to be operating in violation, in any material respect, of the Bank Secrecy Act of 1970 as amended by the Uniting and Strengthening America by Providing Appropriate Tools Required to
Intercept and Obstruct Terrorism Act of 2001 (or otherwise known as the &#147;<B>Currency and Foreign Transactions Reporting Act</B>&#148;), the USA Patriot Act (or otherwise known as <I>Uniting and Strengthening America by Providing Appropriate
Tools Required to Intercept and Obstruct Terrorism Act of 2001</I>) or any order issued with respect to the Anti Money </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
Laundering Laws (as defined below). As of December&nbsp;31, 2020, each of the Company and the Bank met or exceeded the standards necessary to be considered &#147;well capitalized&#148; under the
FDIC&#146;s regulatory framework for prompt corrective action. The Bank has been duly chartered, is validly existing under the laws of the United States of America and holds the requisite authority to do business as a national banking association
with banking powers under the laws of the United States of America. The Bank is the only depository institution subsidiary of the Company and the Bank is a member in good standing of the Federal Home Loan Bank System. The activities of the Bank are
permitted under the laws and regulations of the United States and the OCC. Since December&nbsp;31, 2018, the Company, the Bank and each of its subsidiaries have filed all material reports, registrations and statements, together with any required
amendments thereto, that it was required to file with the Federal Reserve, the FDIC, the OCC, and any other applicable federal or state banking authorities. All such reports and statements filed with any such regulatory body or authority are
collectively referred to herein as the &#147;<B>Company Reports</B>.&#148; As of their respective dates, the Company Reports complied as to form in all material respects with all the rules and regulations promulgated by the Federal Reserve, the OCC
and any other applicable federal or state banking authorities, as the case may be. None of the Company, the Bank nor any of their respective subsidiaries is a party or subject to any formal or informal agreement, memorandum of understanding, consent
decree, directive, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">cease-and-desist</FONT></FONT> order, order of prohibition or suspension, written commitment, supervisory agreement or other written statement as described under 12
U.S.C. 1818(u) with, or order issued by, or has adopted any board resolutions at the request of, the Federal Reserve, the FDIC, the OCC, the CFPB or any other bank regulatory authority that (i)&nbsp;restricts materially the conduct of its business,
or in any manner relates to its capital adequacy, its credit policies or its management, nor have any of them been advised by any Bank Regulatory Authority that it is contemplating issuing or requesting (or is considering the appropriateness of
issuing or requesting) any such order, decree, agreement, memorandum of understanding, extraordinary supervisory letter, commitment letter or similar submission, or any such board resolutions or that imposes any restrictions or requirements not
generally applicable to bank holding companies or commercial banks, and (ii)&nbsp;is required to be disclosed in the Registration Statement or Prospectus pursuant to the Securities Act, the Securities Act Regulations, the Exchange Act or the
Exchange Act Regulations but is not so disclosed. There is no unresolved violation, criticism or exception by any Bank Regulatory Authority with respect to any examination of the Company, the Bank or any of the Company&#146;s other Subsidiaries,
which would reasonably be expected to result in a Material Adverse Effect. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxiii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Accuracy of
Exhibits</U>. There are no contracts or documents which are required to be described in the Registration Statement, the Pricing Disclosure Package, the Prospectus or the documents incorporated by reference therein or to be filed as exhibits thereto
that have not been so described and filed as required. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxiv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Further
Requirements</U>. No filing with, or authorization, approval, consent, license, order, registration, qualification or decree of, any court or governmental agency or body is necessary or required for the performance by the Company of its obligations
under this Agreement in connection with the offering, issuance or sale of the Securities or the consummation of the transactions contemplated in this Agreement prior to the Closing Time, except such as have been already obtained or as may be
required </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
under the Securities Act, the Securities Act Regulations, the securities laws of any state or <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdiction or the rules of the Financial Industry
Regulatory Authority, Inc. (&#147;<B>FINRA</B>&#148;). The Company meets the requirements under the Securities Act specified in FINRA Rule 5110(b)(7)(C)(i) (the <B>&#147;FINRA Exemption&#148;</B>). All of the information provided to the Underwriters
or to counsel for the Underwriters by the Company in connection with the offering of the Securities and the FINRA Exemption and FINRA Rule 5121 is true, complete and correct. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Possession of Licenses and Permits</U>. The Company and its Subsidiaries possess such permits,
licenses, approvals, registrations, memberships, consents and other authorizations (collectively, &#147;<B>Governmental Licenses</B>&#148;) issued by the appropriate federal, state, local or foreign regulatory agencies or bodies necessary to conduct
the business now operated by them; the Company and its Subsidiaries are in compliance with the terms and conditions of all such Governmental Licenses, except where the failure to so comply would not, singly or in the aggregate, have a Material
Adverse Effect and no event has occurred that allows, or after notice or lapse of time would allow, revocation or termination of any such Governmental License or result in any other material impairment of the rights of any such Governmental License;
all of the Governmental Licenses are valid and in full force and effect; and neither the Company nor any of its Subsidiaries has received any notice of proceedings relating to the revocation or modification of any such Governmental Licenses. Neither
the Company nor any of its Subsidiaries has failed to file with applicable regulatory authorities any material statement, report, information or form required by any applicable law, regulation or order, all such filings were in material compliance
with applicable laws when filed and no material deficiencies have been asserted by any regulatory commission, agency or authority with respect to any such filings or submissions. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxvi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Title to Property</U>. The Company and its Subsidiaries have good and marketable title in fee
simple to all real property owned by the Company and its Subsidiaries and good title to all other properties owned by them, in each case, free and clear of all mortgages, pledges, liens, security interests, claims, restrictions or encumbrances of
any kind except such as (A)&nbsp;are described in the Registration Statement, the Pricing Disclosure Package and the Prospectus or (B)&nbsp;do not materially affect the value of such property and do not interfere in any material respect with the use
made and proposed to be made of such property by the Company or any Subsidiary. All of the leases and subleases material to the business of the Company and its Subsidiaries, considered as one enterprise, and under which the Company or any of its
Subsidiaries holds properties described in the Registration Statement, the Pricing Disclosure Package and the Prospectus, are in full force and effect and are held under valid, subsisting and enforceable leases, and neither the Company nor any
Subsidiary has received any notice of any material claim of any sort that has been asserted by anyone adverse to the rights of the Company or any Subsidiary under any of the leases or subleases mentioned above, or affecting or questioning the rights
of the Company or such Subsidiary to the continued possession of the leased or subleased premises under any such lease or sublease. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxvii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Possession of Intellectual Property</U>. The Company and its Subsidiaries own or possess, or
can acquire on reasonable terms, adequate patents, patent rights, licenses, inventions, copyrights, <FONT STYLE="white-space:nowrap">know-how</FONT> (including trade secrets and other unpatented </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
and/or unpatentable proprietary or confidential information, systems or procedures and excluding generally commercially available &#147;off the shelf&#148; software programs licensed pursuant to
shrink wrap or &#147;click and accept&#148; licenses), systems, technology, trademarks, service marks, trade names or other intellectual property (collectively, &#147;<B>Intellectual Property</B>&#148;) necessary to carry on the business now
operated by them. Neither the Company nor any of its Subsidiaries has received any notice or is otherwise aware of any infringement or misappropriation of or conflict with asserted rights of others with respect to any material Intellectual Property
or of any facts or circumstances which would render any material Intellectual Property invalid or inadequate to protect the interest of the Company or any of its Subsidiaries therein. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxviii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental Laws</U>. Except as described in the Registration Statement, the Pricing
Disclosure Package and the Prospectus, and except as would not, singly or in the aggregate, result in a Material Adverse Effect, (A)&nbsp;neither the Company nor any of its Subsidiaries is in violation of any federal, state, local or foreign
statute, law, rule, regulation, ordinance, code, policy or rule of common law or any judicial or administrative interpretation thereof, including any judicial or administrative order, consent, decree or judgment, relating to pollution or protection
of human health, the environment (including, without limitation, ambient air, surface water, groundwater, land surface or subsurface strata) or wildlife, including, without limitation, laws and regulations relating to the release or threatened
release of chemicals, pollutants, contaminants, wastes, toxic substances, hazardous substances, petroleum or petroleum products, asbestos-containing materials or mold (collectively, &#147;<B>Hazardous Materials</B>&#148;) or to the manufacture,
processing, distribution, use, treatment, storage, disposal, transport or handling of Hazardous Materials (collectively, &#147;<B>Environmental Laws</B>&#148;), (B) the Company and its Subsidiaries have all permits, authorizations and approvals
required under any applicable Environmental Laws and are each in material compliance with their requirements, (C)&nbsp;there are no pending or, to the knowledge of the Company, threatened administrative, regulatory or judicial actions, suits,
demands, demand letters, claims, liens, notices of noncompliance or violation, investigation or proceedings relating to any Environmental Law against the Company or any of its Subsidiaries, (D)&nbsp;there are no events or circumstances of which the
Company is aware that would reasonably be expected to form the basis of an order for <FONT STYLE="white-space:nowrap">clean-up</FONT> or remediation, or an action, suit or proceeding by any private party or governmental body or agency, against or
affecting the Company or any of its Subsidiaries relating to Hazardous Materials or any Environmental Laws, and (E)&nbsp;none of the Company or any of its Subsidiaries anticipate material capital expenditures relating to Environmental Laws. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxix)&nbsp;&nbsp;&nbsp;&nbsp;<U>ERISA</U>. Each employee benefit plan, within the meaning of Section&nbsp;3(3) of ERISA, that
is maintained, administered or contributed to by the Company or any Subsidiary or any member of the Company&#146;s &#147;control group&#148; (within the meaning of Section&nbsp;414 of the Internal Revenue Code of 1986, as amended (the
&#147;<B>Code</B>&#148;)) for employees or former employees of the Company and its affiliates (&#147;<B>Plan</B>&#148;) has been maintained in material compliance with its terms and the requirements of any applicable statutes, orders, rules and
regulations, including but not limited to ERISA and the Code. No &#147;prohibited transaction,&#148; within the meaning of Section&nbsp;406 of ERISA or Section&nbsp;4975 of the Code has occurred with respect to any such Plan, excluding transactions
effected pursuant to a statutory or administrative exemption. No &#147;reportable event&#148; (as defined </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
under ERISA) has occurred or is reasonably expected to occur with respect to any &#147;employee benefit plan&#148; established or maintained by the Company, the Subsidiaries or any of their ERISA
Affiliates. No &#147;employee benefit plan&#148; (as defined under ERISA) established or maintained by the Company, the Subsidiaries or any of their ERISA Affiliates, if such employee benefit plan were terminated, would have any &#147;amount of
unfunded benefit liabilities&#148; (as defined under ERISA). Neither the Company, the Subsidiaries nor any of their ERISA Affiliates has incurred or reasonably expects to incur any liability under (A)&nbsp;Title&nbsp;IV of ERISA with respect to
termination of, or withdrawal from, any &#147;employee benefit plan,&#148; or (B)&nbsp;Sections&nbsp;412, 4971, 4975 or 4980B of the Code. Each employee benefit plan established or maintained by the Company, the Subsidiaries or any of their ERISA
Affiliates that is intended to be qualified under Section&nbsp;401(a) of the Code is so qualified and nothing has occurred, whether by action or failure to act, which would cause the loss of such qualification. With respect to each Plan subject to
Title IV of ERISA, the minimum funding standard of Section&nbsp;302 of ERISA or Section&nbsp;412 of the Code, as applicable, has been satisfied (without taking into account any waiver thereof or extension of any amortization period) and is
reasonably expected to be satisfied in the future (without taking into account any waiver thereof or extension of any amortization period) and the fair market value of the assets under each Plan exceeds the present value of all benefits accrued
under such Plan (determined based on those assumptions used to fund such Plan). There is no pending audit or investigation by the Internal Revenue Service, the U.S. Department of Labor, the Pension Benefit Guaranty Corporation or any other
governmental agency or any foreign agency. &#147;ERISA Affiliate&#148; means, with respect to the Company or a Subsidiary, any member of any group of organizations described in Sections 414(b), (c), (m) or (o)&nbsp;of the Code or Section&nbsp;400(b)
of ERISA of which the Company or such Subsidiary is a member. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxx)&nbsp;&nbsp;&nbsp;&nbsp;<U>Internal Control Over
Financial Reporting</U>. The Company and each of its Subsidiaries maintain a system of internal control over financial reporting (as such term is defined in Rule <FONT STYLE="white-space:nowrap">13a-15(f)</FONT> of the Exchange Act Regulations) that
complies with the requirements of the Exchange Act and the Exchange Act Regulations and has been designed by the Company&#146;s principal executive officer and principal financial officer and is sufficient to provide reasonable assurance regarding
the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with GAAP, including that (A)&nbsp;transactions are executed in accordance with management&#146;s general or specific
authorizations; (B)&nbsp;transactions are recorded as necessary to permit preparation of financial statements in conformity with GAAP and to maintain asset accountability; (C)&nbsp;access to assets is permitted only in accordance with
management&#146;s general or specific authorization; (D)&nbsp;the recorded accountability for assets is compared with the existing assets at reasonable intervals and appropriate action is taken with respect to any differences; and (E)&nbsp;the
interactive data in eXtensible Business Reporting Language included or incorporated by reference in the Registration Statement is accurate and fairly presents the information called for in all material respects and has been prepared in accordance
with the Commission&#146;s rules and guidelines applicable thereto. The systems of internal control over financial reporting of the Company and its Subsidiaries are overseen by the Audit Committee of the Board of Directors of the Company in
accordance with Nasdaq rules and regulations. Except as described in the Registration Statement, the Pricing Disclosure Package and the Prospectus, since the end of the Company&#146;s most recent </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
audited fiscal year, (i)&nbsp;there has been no material weakness in the Company&#146;s internal control over financial reporting (whether or not remediated), (ii) there has been no change in the
Company&#146;s internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, the Company&#146;s internal control over financial reporting and (iii)&nbsp;the Company has not been advised of
(a)&nbsp;any significant deficiencies in the design or operation of internal controls that could adversely affect the ability of the Company or any Subsidiary to record, process, summarize and report financial data, or any material weakness in
internal controls, or (b)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role in the internal controls of the Company and each of the Subsidiaries. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Disclosure Controls and Procedures</U>. The Company and its Subsidiaries employ disclosure
controls and procedures (as such term is defined in Rule <FONT STYLE="white-space:nowrap">13a-15</FONT> of the Exchange Act Regulations), which (A)&nbsp;are designed to ensure that information required to be disclosed by the Company in the reports
that it files or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the Commission&#146;s rules and forms and that material information relating to the Company and its Subsidiaries is
made known to the Company&#146;s principal executive officer and principal financial officer by others within the Company and its Subsidiaries to allow timely decisions regarding disclosure, (B)&nbsp;have been evaluated by management of the Company
for effectiveness as of December&nbsp;31, 2020, and (C)&nbsp;were then effective in all material respects to perform the functions for which they were established. Based on the evaluation of the Company&#146;s and each Subsidiary&#146;s disclosure
controls and procedures described above, the Company is not aware of (1)&nbsp;any significant deficiency in the design or operation of internal controls which could adversely affect the Company&#146;s or its Subsidiaries&#146; ability to record,
process, summarize and report financial data or any material weakness in internal controls or (2)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role in the Company&#146;s or its
Subsidiaries&#146; internal controls. Since the most recent evaluation of the Company&#146;s disclosure controls and procedures described above, there have been no changes in internal controls or in other factors that could significantly affect
internal controls. Within the next 90 days the Company does not reasonably expect to publicly disclose or report to the Audit Committee or the Board of Directors a material weakness, change in internal control over financial reporting or fraud
involving management or other employees who have a significant role in internal control over financial reporting, any violation of, or failure to comply with, the Sarbanes-Oxley Act or the Exchange Act, or any matter related to internal control over
financial reporting which, if determined adversely, would result in a Material Adverse Effect. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with the Sarbanes-Oxley Act</U>. There is and has been no failure on the part of
the Company or any of the Company&#146;s directors or officers, in their capacities as such, to comply with any provision of the Sarbanes-Oxley Act and the rules and regulations promulgated in connection therewith, including Section&nbsp;402 related
to loans and Sections 302 and 906 related to certifications. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxiii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Pending Procedures and
Examinations</U>. The Registration Statement is not the subject of a pending proceeding or examination under Section&nbsp;8(d) or 8(e) of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
Securities Act, and the Company is not the subject of a pending proceeding under Section&nbsp;8A of the Securities Act in connection with the offering of the Securities. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxiv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment of Taxes</U>. All United States federal income tax returns of the Company and the
Subsidiaries required by law to be filed have been timely filed and all taxes shown by such returns or otherwise assessed, which are due and payable, have been paid, except assessments against which have been or will be promptly contested in good
faith and as to which adequate reserves have been provided in the Company&#146;s financials in accordance with GAAP. The Company and the Subsidiaries have filed all other tax returns that are required to have been filed by them pursuant to
applicable foreign, state, local or other law, except insofar as the failure to file such returns, individually or in the aggregate, would not reasonably be expected to result in a Material Adverse Effect, and have paid all taxes due pursuant to
such returns or pursuant to any assessment received by the Company or any Subsidiary except for such taxes, if any, as are being contested in good faith and as to which adequate reserves have been provided. The charges, accruals and reserves on the
books of the Company and the Subsidiaries in respect of any income and corporation tax liability for any years not finally determined are adequate to meet any assessments or <FONT STYLE="white-space:nowrap">re-assessments</FONT> for additional
income tax for any years not finally determined. Except as otherwise disclosed in the Registration Statement, the Pricing Disclosure Package and the Prospectus, there is no material tax deficiency that has been or would reasonably be expected to be
asserted against the Company or any of its Subsidiaries or any of their respective properties or assets. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance</U>. The Company and each Subsidiary is insured by insurers of recognized financial
responsibility against such losses and risks and in such amounts as are prudent and customary in the businesses in which they are engaged including, but not limited to, policies covering real and personal property owned or leased by the Company and
each Subsidiary against theft, damage, destruction, acts of vandalism and earthquakes; neither the Company nor any of its Subsidiaries has been refused any insurance coverage sought or applied for; and the Company has no reason to believe that it or
any Subsidiary will not be able to renew their existing insurance coverage as and when such coverage expires or to obtain similar coverage from similar insurers as may be necessary to continue its business at a cost that would not have a Material
Adverse Effect. All such insurance is fully in force as of the date hereof. The Company and each of its Subsidiaries are in compliance with the terms of such policies and instruments in all material respects; and there are no material claims by the
Company or any of its Subsidiaries under any such policy or instrument as to which any insurance company is denying liability or defending under a reservation of rights clause. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxvi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Investment Company Act</U>. The Company is not, and upon the issuance and sale of the
Securities as herein contemplated and the application of the net proceeds therefrom as described in the Registration Statement, the Pricing Disclosure Package and the Prospectus will not be, an &#147;investment company&#148; or an entity
&#147;controlled&#148; by an &#147;investment company&#148; as such terms are defined in the Investment Company Act of 1940, as amended (the &#147;<B>Investment Company Act</B>&#148;). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxvii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Manipulation</U>. Neither the
Company nor any of the Subsidiaries, nor any affiliates of the Company or its Subsidiaries, has taken, directly, or indirectly, and neither the Company nor any of the Subsidiaries, nor any affiliates of the Company or its Subsidiaries, will take,
directly or indirectly, any action intended to cause or result in, or which constitutes or would reasonably be expected to constitute, the stabilization or manipulation of the price of any security of the Company or any &#147;reference
security&#148; (as defined in Rule 100 of Regulation M under the Exchange Act) to facilitate the sale or resale of the Securities or otherwise, and has taken no action which would directly or indirectly violate Regulation M under the Exchange Act.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxviii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Foreign Corrupt Practices Act</U>. None of the Company, any of its Subsidiaries or, to
the knowledge of the Company, any director, officer, agent or employee of the Company or any of its Subsidiaries, any of the respective affiliates of the Company or any of its Subsidiaries or any other person associated with or acting on behalf of
the Company or any of its Subsidiaries or their respective affiliates, acting in his or her capacity as such, (A)&nbsp;used any funds of the Company or any of its Subsidiaries for any unlawful contribution, gift, entertainment or other unlawful
expense relating to political activity; (B)&nbsp;made or taken an act in furtherance of an offer, payment, promise or authorization of any direct or indirect unlawful payment or giving of money, property, gifts or anything else of value, directly or
indirectly, to any foreign or domestic government official (including any officer or employee of a government or government-owned or controlled entity or of a public international organization, or any person acting in an official capacity for or on
behalf of any of the foregoing, or any political party or party official or candidate for public office) from funds of the Company or any of its Subsidiaries; (C)&nbsp;violated or is in violation of any provision of the Foreign Corrupt Practices Act
of 1977, as amended (the &#147;<B>FCPA</B>&#148;), or any applicable law or regulations implementing the Organisation for Economic <FONT STYLE="white-space:nowrap">Co-operation</FONT> and Development Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, or committed an offense under the Bribery Act 2010 of the United Kingdom, or any other applicable anti-bribery or anti-corruption statute or regulation; or (D)&nbsp;made, offered, agreed, requested
or taken an act in furtherance of any unlawful bribe, rebate, payoff, influence payment, kickback or other unlawful payment or benefit in violation of any applicable law, rule or regulation. The Company and its Subsidiaries and their respective
affiliates have conducted their businesses in compliance with the FCPA and all other applicable anti-bribery and anti-corruption laws and have instituted and maintain policies and procedures designed to ensure, and which are reasonably expected to
continue to ensure, continued compliance therewith. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxxix)&nbsp;&nbsp;&nbsp;&nbsp;<U>Anti-Money Laundering Laws</U>. The
operations of the Company and its Subsidiaries and, to the knowledge of the Company, their respective affiliates, are and have been conducted at all times in compliance with applicable financial recordkeeping and reporting requirements of the
Currency and Foreign Transactions Reporting Act of 1970, as amended, and the applicable anti-money laundering statutes of all jurisdictions where the Company and its Subsidiaries and their respective affiliates conduct business, the rules and
regulations thereunder and any related or similar rules, regulations or guidelines, issued, administered or enforced by any governmental agency or body (collectively, the &#147;<B>Anti-Money Laundering Laws</B>&#148;); and no action, suit or
proceeding by or before any court, governmental agency or body involving the Company or any of its Subsidiaries with </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
respect to the Anti-Money Laundering Laws is pending or, to the knowledge of the Company, threatened. The Company and its Subsidiaries and, to the knowledge of the Company, their respective
affiliates, have conducted their businesses in compliance with applicable anti-corruption laws and have instituted and maintain and will continue to maintain policies and procedures designed to promote and achieve compliance with such laws. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xl)&nbsp;&nbsp;&nbsp;&nbsp;<U>OFAC</U>. None of the Company, any of the Subsidiaries or any officer or director of either the
Company or any Subsidiary, nor, to the knowledge of the Company, any agent, employee, affiliate or person acting on behalf of the Company or any of the Subsidiaries is or has been (A)&nbsp;engaged in any services (including financial services),
transfers of goods, software, or technology, or any other business activity related to (i)&nbsp;Cuba, Iran, North Korea, Sudan, Syria, the Crimea region of Ukraine claimed by Russia or any other country or territory that is, or whose government is,
the subject of sanctions that broadly prohibit dealings with that country or territory (collectively, &#147;<B>Sanctioned Countries</B>&#148; and each, a &#147;<B>Sanctioned Country</B>&#148;), (ii) the government of any Sanctioned Country,
(iii)&nbsp;any person, entity or organization located in, resident in, formed under the laws of, or owned or controlled by the government of, any Sanctioned Country, or (iv)&nbsp;any person, entity or organization made subject of any sanctions
administered or enforced by the United States Government, including, without limitation, the list of Specially Designated Nationals (&#147;<B>SDN List</B>&#148;) of the Office of Foreign Assets Control of the U.S. Treasury Department
(&#147;<B>OFAC</B>&#148;), or by the United Nations Security Council, the European Union, Her Majesty&#146;s Treasury, or other relevant sanctions authority (collectively, &#147;<B>Sanctions</B>&#148;) and the Company will not directly or indirectly
use the proceeds of this offering, or lend, contribute or otherwise make available such proceeds to any Subsidiary, or any joint venture partner or other person or entity, for the purpose of financing the activities of or business with any person,
or in any country or territory, that currently is the subject to any U.S. sanctions administered by OFAC or in any other manner that will result in a violation by any person (including any person participating in the transaction whether as
underwriter, advisor, investor or otherwise) of U.S. sanctions administered by OFAC; (B)&nbsp;engaged in any transfers of goods, technologies or services (including financial services) that may assist the governments of Sanctioned Countries or
facilitate money laundering or other activities proscribed by United States laws, rules or regulations; (C)&nbsp;is a person, entity or organization currently the subject of any Sanctions; or (D)&nbsp;located, organized or resident in any Sanctioned
Country. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xli)&nbsp;&nbsp;&nbsp;&nbsp;<U>Relationship</U>. No relationship, direct or indirect, exists between or among
the Company or any of its Subsidiaries, on the one hand, and the directors, officers, shareholders, customers or suppliers of the Company or any of its Subsidiaries, on the other, that is required by the Securities Act or Securities Act Regulations
to be described in the Registration Statement and/or the Prospectus and that is not so described. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xlii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Lending Relationship</U>. Except as disclosed in the Registration Statement, the Pricing
Disclosure Package and the Prospectus, the Company (A)&nbsp;does not have any material lending or other relationship with any bank or lending affiliate of any Underwriter and (B)&nbsp;does not intend to use any of the proceeds from the sale of the
Securities to repay any outstanding debt owed to any affiliate of any Underwriter. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xliii)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Restrictions on Subsidiaries</U>.
Except in each case as otherwise disclosed in the Registration Statement, the Pricing Disclosure Package or the Prospectus, no Subsidiary of the Company is currently prohibited, directly or indirectly, under any agreement or other instrument to
which it is a party or is subject, from paying any dividends to the Company, from making any other distribution on such Subsidiary&#146;s capital stock, from repaying to the Company any loans or advances to such Subsidiary from the Company or from
transferring any of such Subsidiary&#146;s properties or assets to the Company or any other Subsidiary of the Company. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xliv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Statistical and Market-Related Data</U>. The statistical and market-related data contained in
the Registration Statement, the Pricing Disclosure Package and the Prospectus comply in all material respects with the requirements of Commission Industry Guide 3 (where applicable) and are based on or derived from sources which the Company believes
are reliable and accurate, and the Company has obtained the written consent to the use of such data from such sources to the extent required. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xlv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Distribution of Offering Material By the Company</U>. The Company has not distributed and will
not distribute, prior to the later of the Closing Time and the completion of the Underwriters&#146; distribution of the Securities, any offering material in connection with the offering and sale of the Securities other than the Registration
Statement, the preliminary prospectus contained in the Pricing Disclosure Package, the Prospectus, any Issuer Free Writing Prospectus reviewed and consented to by the Representatives and included in <U>Schedule B</U> hereto or any electronic road
show or other written communications reviewed and consented to by the Representatives and listed on Schedule B hereto (each a, &#147;<B>Company Additional Written Communication</B>&#148;). Each such Company Additional Written Communication, when
taken together with the Pricing Disclosure Package, did not, and at the Closing Time will not, contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the
circumstances under which they were made, not misleading. The preceding sentence does not apply to statements in or omissions from the Company Additional Written Communication based upon and in conformity with written information furnished to the
Company by any Underwriter through the Representatives specifically for use therein, it being understood and agreed that the only such information furnished by any Underwriter through the Representatives consists of the Underwriter Information. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xlvi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Forward-Looking Statements</U>. Each financial or operational projection or other
&#147;forward-looking statement&#148; (as defined by Section&nbsp;27A of the Securities Act or Section&nbsp;21E of the Exchange Act) contained in the Registration Statement, the Pricing Disclosure Package and the Prospectus (A)&nbsp;was so included
by the Company in good faith and with reasonable basis after due consideration by the Company of the underlying assumptions, estimates and other applicable facts and circumstances, and (B)&nbsp;is accompanied by meaningful cautionary statements
identifying those factors that could cause actual results to differ materially from those in such forward-looking statement. No such statement was made with the knowledge of an executive officer or director of the Company that it was false or
misleading. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xlvii)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Fees or Advisory Rights</U>. Other than
as contemplated by this Agreement, there is no broker, finder or other party that is entitled to receive from the Company or any Subsidiary any brokerage or finder&#146;s fee or any other fee, commission or payment as a result of the transactions
contemplated by this Agreement. Other than as contemplated by this Agreement, no person has the right to act as a financial advisor to the Company in connection with the offer and sale of the Securities. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xlviii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Deposit Insurance</U>. The deposit accounts of the Bank are insured by the FDIC up to
applicable legal limits, the Bank has paid all premiums and assessments required by the FDIC and the regulations thereunder, and no proceeding for the termination or revocation of such insurance is pending or, to the knowledge of the Company,
threatened. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xlix)&nbsp;&nbsp;&nbsp;&nbsp;<U>Derivative Instruments</U>. Any and all material swaps, caps, floors,
futures, forward contracts, option agreements (other than options issued under the Company&#146;s shareholder-approved benefit plans) and other derivative financial instruments, contracts or arrangements, whether entered into for the account of the
Company or one 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 laws, rules, regulations and policies of all
applicable regulatory agencies and with counterparties believed by the Company to be financially responsible. The Company and each of its Subsidiaries have duly performed in all material respects all of their obligations thereunder to the extent
that such obligations to perform have accrued, and there are no breaches, violations or defaults or allegations or assertions of such by any party thereunder except as would not, singly or in the aggregate, reasonably be expected to have a Material
Adverse Effect. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination of Contracts</U>. Except as would not have a Material Adverse
Effect, neither the Company nor any Significant Subsidiary has sent or received any communication regarding termination of, or intent not to renew, any of the contracts or agreements referred to or described in the Pricing Disclosure Package and
Prospectus, or referred to or described in, or filed as an exhibit to, the Registration Statement, the Pricing Disclosure Package and the Prospectus, and no such termination or <FONT STYLE="white-space:nowrap">non-renewal</FONT> has been threatened
by the Company or any Significant Subsidiary or, to the Company&#146;s knowledge, any other party to any such contract or agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(li)&nbsp;&nbsp;&nbsp;&nbsp;<U><FONT STYLE="white-space:nowrap">Off-Balance</FONT> Sheet Transactions</U>. There is no
transaction, arrangement or other relationship between the Company or any of its Subsidiaries and an unconsolidated or other <FONT STYLE="white-space:nowrap">off-balance</FONT> sheet entity which is required to be disclosed in the Registration
Statement, the Pricing Disclosure Package and the Prospectus (other than as disclosed therein). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(lii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Margin Rules</U>. The application of the proceeds received by the Company from the issuance,
sale and delivery of the Securities as described in the Registration Statement, the Pricing Disclosure Package and the Prospectus will not violate Regulation T, U or X of the Federal Reserve or any other regulation of the Federal Reserve. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(liii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Cybersecurity</U>. (A)&nbsp;There has been
no security breach or incident, unauthorized access or disclosure, or other compromise of or relating to any of the Company&#146;s or its Subsidiaries&#146; information technology and computer systems, networks, hardware, software, data and
databases (including the data and information of their respective customers, employees, suppliers, vendors and any third party data maintained, processed or stored by the Company and its Subsidiaries, and any such data processed or stored by third
parties on behalf of the Company and its Subsidiaries, equipment or technology (collectively, &#147;<B>IT Systems and Data</B>&#148;)), except for those that have been remedied without material cost or liability or the duty to notify any other
person; (B)&nbsp;neither the Company nor its Subsidiaries have been notified of, and each of them have no knowledge of any event or condition that could result in, any security breach or incident, unauthorized access or disclosure or other
compromise to their IT Systems and Data, except for those that have been remedied without material cost or liability or the duty to notify any other person; and (C)&nbsp;the Company and its Subsidiaries have implemented appropriate controls,
policies, procedures, and technological safeguards to maintain and protect the integrity, continuous operation, redundancy and security of their IT Systems and Data reasonably consistent with industry standards and practices, or as required by
applicable regulatory standards. The Company and its Subsidiaries are presently in material compliance with all applicable laws or statutes and all judgments, orders, rules and regulations of any court or arbitrator or governmental or regulatory
authority, internal policies and contractual obligations relating to the privacy and security of IT Systems and Data and to the protection of such IT Systems and Data from unauthorized use, access, misappropriation or modification. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(liv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Broker-Dealer</U>. Neither the Company nor any of its Affiliates (i)&nbsp;is required to
register as a &#147;broker&#148; or &#147;dealer&#148; in accordance with the provisions of the Exchange Act or the rules and regulations promulgated thereunder or (ii)&nbsp;directly, or indirectly through one or more intermediaries, controls or has
any other association (within the meaning of Article I of the <FONT STYLE="white-space:nowrap">By-Laws</FONT> of FINRA) with any member firm of FINRA. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The Bank represents and warrants to each Underwriter at the date hereof, the Applicable Time, the Closing Time and
any Date of Delivery, and agrees with each Underwriter, as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;The Bank has been duly chartered and is
validly existing as a national banking association in good standing under the laws of the United States of America, and has been duly qualified as a foreign bank for the transaction of business and is in good standing under the laws of each other
jurisdiction in which it owns or leases properties or conducts any business so as to require such qualification or is subject to no material liability or disability by reason of the failure to be so qualified in any such other jurisdiction; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Bank nor any of its subsidiaries that is a Significant Subsidiary is (A)&nbsp;in violation of its
articles or certificate of incorporation, bylaws or other organizational or governing documents, (B)&nbsp;in default in the performance or observance of any obligation, agreement, covenant or condition contained in any contract, indenture, mortgage,
deed of trust, loan agreement, note, lease or other agreement or instrument to which the Bank or any of its subsidiaries that is a Significant Subsidiary is a party or by which any of them is bound or to which
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any of the property or assets of the Bank or any of its subsidiaries that is a Significant Subsidiary is subject (collectively, the &#147;<B>Bank Instruments</B>&#148;) or (C)&nbsp;in violation
of any statute, law, rule, regulation, order, decree of any court or governmental agency or body having jurisdiction over the Bank or any of its subsidiaries; in the case of clauses (B)&nbsp;and (C), except for defaults or violations that would not,
singly or in the aggregate, reasonably be expected to result in a material adverse effect (i)&nbsp;on the general affairs, condition (financial or otherwise), business, properties, prospects, management, financial position, shareholders&#146;
equity, assets, liabilities or results of operations, of the Bank and its subsidiaries considered as one enterprise, whether or not arising in the ordinary course of business or (ii)&nbsp;in the ability of the Bank to perform its obligations under
this Agreement (each of (i)&nbsp;and (ii) a &#147;<B>Bank MAE</B>&#148;); and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;The execution, delivery and
performance of this Agreement by the Bank, compliance by the Bank with all of the provisions of this Agreement and the consummation of the transactions herein contemplated do not and will not contravene, conflict with, or result in a breach or
violation of any of the terms or provisions of, or constitute a default under, any Bank Instrument, nor does or will any such action contravene, conflict with or result in a breach or violation of any of the terms or provisions of the articles of
incorporation or articles of association or bylaws of the Bank or any statute, order, law, rule, regulation or decree of any court or governmental agency or body having jurisdiction over the Bank or any of its subsidiaries or any of their
properties, except for contraventions, conflicts, breaches or violations of any Bank Instrument or violations of statutes, orders, laws, rules, regulations or decrees that would not, singly or in the aggregate, reasonably be expected to result in a
Bank MAE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement has been duly authorized, executed and delivered by the Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Officer&#146;s Certificates</I>. Any certificate signed by any officer of the Company or any of its Subsidiaries
delivered to the Representatives or to counsel for the Underwriters shall be deemed a representation and warranty by the Company to each Underwriter as to the matters covered thereby. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Sale and Delivery to Underwriters; Closing</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Sale of Securities</I>. On the basis of the representations and warranties herein contained and subject to the
terms and conditions herein set forth, the Company agrees to sell to each Underwriter, severally and not jointly, and each Underwriter, severally and not jointly, agrees to purchase from the Company, the aggregate principal amount of Securities set
forth in <U>Schedule A</U> opposite the name of such Underwriter, at a purchase price equal to 99.0% of the aggregate principal amount thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Payment</I>. Payment of the purchase price for, and delivery of, the Securities shall be made at the offices of
Holland&nbsp;&amp; Knight LLP, 31 West 52nd Street, 12th Floor, New York, New York 10019, or at such other place as shall be agreed upon by the Representatives and the Company, at 9:00 a.m. (New York City time) on May&nbsp;28, 2021 (unless postponed
in accordance with the provisions of <U>Section</U><U></U><U>&nbsp;11</U>), or such other time not later than 10 business days after such date as shall be agreed upon by the Representatives and the Company (such time and date of payment and delivery
being herein called &#147;<B>Closing Time</B>&#148;). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler and BofA, each individually and not as representatives of the Underwriters,
may (but shall not be obligated to) make payment of the purchase price for the Securities to be purchased by any Underwriter whose funds have not been received by the Company by the Closing Time, but such payment shall not relieve such Underwriter
from its obligations hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Payment shall be made to the Company by wire transfer of immediately available funds to a bank account
designated by the Company against delivery of the Securities (in the form of one or more global notes), through the facilities of The Depository Trust Company (&#147;<B>DTC</B>&#148;), to the Representatives for the respective accounts of the
Underwriters. It is understood that each Underwriter has authorized the Representatives, for its account, to accept delivery of, receipt for, and make payment of the purchase price for, the Securities which it has agreed to purchase. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenants of the Company</U>. The Company covenants with each Underwriter as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Compliance with Commission Requests</I>. Prior to the completion of the distribution of the Securities as
contemplated in this Agreement, the Company, subject to <U>Section</U><U></U><U>&nbsp;3(b)</U> hereof will comply with the requirements of Rule 430B of the Securities Act Regulations, and will notify the Representatives as soon as reasonably
practicable, and confirm the notice in writing, (i)&nbsp;when any post-effective amendment to the Registration Statement or any new registration statement relating to the Securities shall become effective or any amendment or supplement to the
Pricing Disclosure Package or the Prospectus shall have been used or filed, as the case may be, including any document incorporated by reference therein, in each case only as permitted by <U>Section</U><U></U><U>&nbsp;3</U> hereof, (ii)&nbsp;of the
receipt of any comments from the Commission with respect to the Registration Statement, (iii)&nbsp;of any request by the Commission for any amendment to the Registration Statement or any amendment or supplement to the Pricing Disclosure Package or
the Prospectus, including any document incorporated by reference therein, or for additional information, (iv)&nbsp;of the issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement or any post-effective
amendment thereto or any notice of objection to the use of the Registration Statement or any post-effective amendment thereto pursuant to Rule 401(g)(2) or of the issuance of any order preventing or suspending the use of any preliminary prospectus
or the Prospectus or any amendment or supplement thereto, or of the suspension of the qualification of the Securities for offering or sale in any jurisdiction, or of the initiation or threatening of any proceedings for any of such purposes or of any
examination pursuant to Section&nbsp;8(d) or 8(e) of the Securities Act concerning the Registration Statement and (v)&nbsp;if the Company becomes the subject of a proceeding under Section&nbsp;8A of the Securities Act in connection with the offering
of the Securities. The Company will effect all filings required under Rule 424(b), in the manner and within the time period required by Rule 424(b) (without reliance on Rule 424(b)(8)), and will take such steps as it deems necessary to ascertain
promptly whether the form of prospectus transmitted for filing under Rule 424(b) was received for filing by the Commission and, in the event that it was not, it will promptly file such prospectus. Until the completion of the distribution of the
Securities as contemplated in this Agreement, the Company will use its reasonable best efforts to prevent the issuance of any stop, prevention or suspension order and, if any such order is issued, to obtain the lifting thereof at the earliest
possible moment. If, before all the Securities have been sold by the Underwriters, the Company receives from the Commission a notice pursuant to Rule 401(g)(2) or otherwise ceases to be eligible to use the automatic shelf registration statement
form, the Company will (A)&nbsp;promptly notify the Underwriters, (B)&nbsp;promptly file a new registration statement or post-</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
effective amendment on the proper form relating to the Securities in such form as is reasonably satisfactory to the Underwriters, (C)&nbsp;use its reasonable best efforts to cause such
registration statement or post-effective amendment to be declared effective as soon as practicable, and (D)&nbsp;promptly notify the Underwriters of such effectiveness. The Company will take all other action necessary or appropriate to permit the
public offering and sale of the Securities to continue as contemplated in the registration statement that was the subject of the Rule 401(g)(2) notice or for which the Company has otherwise become ineligible. References herein to the Registration
Statement shall include such new registration statement or post-effective amendment, as the case may be. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Payment of Filing Fees</I>. The Company shall pay the required Commission filing fees relating to the Securities
within the time required by Rule 456(b)(1)(i) of the Securities Act Regulations without regard to the proviso therein and otherwise in accordance with Rules 456(b) and 457(r) of the Securities Act Regulations (including, if applicable, by updating
the &#147;Calculation of Registration Fee&#148; table in accordance with Rule 456(b)(1)(ii) either in a post-effective amendment to the Registration Statement or on the cover page of a prospectus filed pursuant to Rule 424(b)). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Continued Compliance with Securities Laws</I>. The Company will comply with the Securities Act, the Securities
Act Regulations, the Exchange Act and the Exchange Act Regulations so as to permit the completion of the distribution of the Securities as contemplated in this Agreement and in the Registration Statement, the Pricing Disclosure Package and the
Prospectus. If at any time when a prospectus relating to the Securities is (or, but for the exception afforded by Rule 172 of the Securities Act Regulations, would be) required by the Securities Act (or in lieu thereof the notice referred to in Rule
173(a) of the Securities Act Regulations) to be delivered in connection with sales of the Securities ending no later than nine months from the date hereof (the &#147;<B>Delivery Period</B>&#148;) any event shall occur or condition shall exist as a
result of which it is necessary, in the opinion of counsel for the Underwriters or for the Company, to (i)&nbsp;amend the Registration Statement in order that the Registration Statement will not include an untrue statement of a material fact or omit
to state a material fact required to be stated therein or necessary to make the statements therein not misleading, (ii)&nbsp;amend or supplement the Pricing Disclosure Package or the Prospectus in order that the Pricing Disclosure Package or the
Prospectus, as the case may be, will not include any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein not misleading in the light of the circumstances existing at the time it (or
in lieu thereof the notice referred to in Rule 173(a) of the Securities Act Regulations) is delivered to a purchaser or (iii)&nbsp;amend the Registration Statement or amend or supplement the Pricing Disclosure Package or the Prospectus, as the case
may be, including, without limitation, any document incorporated therein by reference, in order to comply with the requirements of the Securities Act, the Securities Act Regulations, the Exchange Act or the Exchange Act Regulations, the Company will
promptly (A)&nbsp;give the Representatives written notice of such event or condition, (B)&nbsp;prepare any amendment or supplement as may be necessary to correct such statement or omission or to make the Registration Statement, the Pricing
Disclosure Package or the Prospectus comply with such requirements and, a reasonable amount of time prior to any proposed filing or use, furnish the Representatives with copies of any such amendment or supplement and (C)&nbsp;file with the
Commission any such amendment or supplement and use its best efforts to have any amendment to the Registration Statement declared effective by the Commission as soon as possible if the Company is no longer eligible to file an automatic shelf
registration statement, provided that </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the Company shall not file or use any such amendment or supplement to which the Representatives or counsel for the Underwriters shall object. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Filing or Use of Amendments or Supplements</I>. During the Delivery Period, the Company (A)&nbsp;will furnish to
the Representatives for review, a reasonable period of time prior to the proposed time of filing of any proposed amendment or supplement to the Registration Statement, a copy of each such amendment or supplement, and (B)&nbsp;will not amend or
supplement the Registration Statement without the Representatives&#146; prior written consent. Prior to amending or supplementing any preliminary prospectus or the Prospectus, the Company shall furnish to the Representatives for review, a reasonable
amount of time prior to the time of filing or use of the proposed amendment or supplement, a copy of each such proposed amendment or supplement. The Company shall not file or use any such proposed amendment or supplement without the
Representatives&#146; prior written consent, which consent shall not be unreasonably withheld. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of
Registration Statements</I>. The Company has furnished or will deliver to the Representatives and counsel for the Underwriters, without charge, signed copies of the Registration Statement as originally filed and each amendment thereto (including
exhibits filed therewith or incorporated by reference therein and documents incorporated or deemed to be incorporated by reference therein) and signed copies of all consents and certificates of experts, and will also deliver to the Representatives,
without charge, a conformed copy of the Registration Statement as originally filed and each amendment thereto (without exhibits) for each of the Underwriters. The signed copies of the Registration Statement and each amendment thereto furnished to
the Underwriters will be identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation <FONT STYLE="white-space:nowrap">S-T.</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Prospectuses</I>. The Company has delivered to each Underwriter, without charge, as many written or
electronic copies of each preliminary prospectus as such Underwriter reasonably requested, and the Company hereby consents to the use of such copies for purposes permitted by the Securities Act. The Company will furnish to each Underwriter, without
charge, during the Delivery Period, such number of copies of the Prospectus (as amended or supplemented) as such Underwriter may reasonably request. The Prospectus and any amendments or supplements thereto furnished to the Underwriters will be
identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation <FONT STYLE="white-space:nowrap">S-T.</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<I>Blue Sky Qualifications</I>. The Company will use its best efforts, in cooperation with the Underwriters, to
qualify the Securities for offering and sale under the applicable securities laws of such states and <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdictions as the Representatives may designate and to maintain such qualifications in effect
during the Delivery Period; provided, that the Company shall not be obligated to file any general consent to service of process or to qualify as a foreign corporation or as a dealer in securities in any jurisdiction in which it is not so qualified
or to subject itself to taxation in respect of doing business in any jurisdiction in which it is not otherwise so subject. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<I>Earnings Statements</I>. The Company will timely file such reports pursuant to the Exchange Act as are necessary
in order to make generally available to its securityholders as soon as practicable, but in any event not later than 16 months after the effective date of the Registration Statement (as defined in Rule 158(c) of the Securities Act), an earnings
statement (satisfying the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
provisions of Section&nbsp;11(a) of the Securities Act and the Securities Act Regulations (including Rule 158)). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<I>Use of Proceeds</I>. The Company will use the net proceeds received by it from the sale of the Securities in the
manner specified in the Registration Statement, the preliminary prospectus contained in the Pricing Disclosure Package and the Prospectus under &#147;Use of Proceeds.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<I>Reporting Requirements</I>. The Company, during the Delivery Period, will file all documents required to be
filed with the Commission pursuant to the Exchange Act within the time periods required by, and each such document will meet the requirements of, the Exchange Act and the Exchange Act Regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<I>Pricing Term Sheet</I>. The Company will prepare the Term Sheet, containing solely a description of the final
terms of the Securities and the offering thereof, and after affording the Representatives the opportunity to comment thereon, file the Term Sheet with the Commission pursuant to Rule 433(d) within the time required by such Rule. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<I>Issuer Free Writing Prospectuses</I>. The Company agrees that, unless it obtains the prior written consent of
the Representatives, it will not make any offer relating to the Securities that would constitute an Issuer Free Writing Prospectus or that would otherwise constitute a &#147;free writing prospectus,&#148; or a portion thereof, required to be filed
by the Company with the Commission or retained by the Company under Rule 433; provided, that the Representatives will be deemed to have consented to any Issuer General Use Free Writing Prospectuses listed on <U>Schedule B</U> hereto and any
&#147;road show that is a written communication&#148; within the meaning of Rule 433(d)(8)(i) that has been reviewed by the Representatives. The Company represents that it has treated or agrees that it will treat each such free writing prospectus
consented to, or deemed consented to, by the Representatives as an Issuer Free Writing Prospectus and that it has complied and will comply with the applicable requirements of Rule 433 with respect thereto, including timely filing with the Commission
where required, legending and record keeping. If at any time following issuance of an Issuer Free Writing Prospectus during the Delivery Period there occurred or occurs an event or condition as a result of which such Issuer Free Writing Prospectus
included or would include an untrue statement of a material fact or omitted or would omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances existing at that subsequent time, not misleading,
the Company will promptly notify the Representatives in writing and will promptly amend or supplement, at its own expense, such Issuer Free Writing Prospectus to correct such untrue statement or omission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;<I>Renewal Deadline</I>. If, immediately prior to the third anniversary of the initial effective date of the
Registration Statement (the &#147;<B>Renewal Deadline</B>&#148;), any Securities remain unsold by the Underwriters, the Company will, prior to the Renewal Deadline, (i)&nbsp;promptly notify the Representatives in writing and (ii)&nbsp;promptly file,
if it is eligible to do so, a new shelf registration statement relating to the Securities, in a form and substance satisfactory to the Underwriters. If, at the Renewal Deadline, the Company is not eligible to file an automatic shelf registration
statement, the Company will, prior to the Renewal Deadline, (i)&nbsp;promptly notify the Representatives in writing, (ii)&nbsp;promptly file a new shelf registration statement or post-effective amendment on the proper form relating to such
Securities, in a form and substance satisfactory to the Underwriters, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(iii) use its best efforts to cause such registration statement or post-effective amendment to be declared effective within 60 days after the Renewal Deadline and (iv)&nbsp;promptly notify the
Representatives in writing of such effectiveness. The Company will take all other action necessary or appropriate to permit the offering and sale of the Securities to continue as contemplated in the expired Registration Statement. References herein
to the &#147;Registration Statement&#148; shall include such new automatic shelf registration statement or such new registration statement or post-effective amendment, as the case may be. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;<I>DTC</I>. The Company will cooperate with the Underwriters and use its best efforts to permit the Securities to
be eligible for clearance, settlement and trading through the facilities of DTC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;<I>Investment Company
Act</I>. The Company shall not invest or otherwise use the proceeds received by the Company from its sale of the Securities in such a manner as could require the Company or any of the Subsidiaries to register as an investment company under the
Investment Company Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;<I>Regulation M</I>. The Company will not take, and will ensure that no affiliate of
the Company will take, directly or indirectly, any action designed to cause or result in or which constitutes or might reasonably be expected to constitute stabilization or manipulation of the price of the Securities or any reference security with
respect to the Securities, whether to facilitate the sale or resale of the Securities or otherwise, and the Company will, and shall cause each of its affiliates to, comply with all applicable provisions of Regulation M. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q)&nbsp;&nbsp;&nbsp;&nbsp;<I>Trustee, Registrar and Paying Agent</I>. The Company shall engage and maintain, at its expense, a trustee,
registrar and paying agent for the Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(r)&nbsp;&nbsp;&nbsp;&nbsp;<I>Sarbanes-Oxley Act</I>. The Company and its Subsidiaries
will comply with all effective applicable provisions of the Sarbanes-Oxley Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(s)&nbsp;&nbsp;&nbsp;&nbsp;<I>Taxes</I>. The Company will
indemnify and hold harmless the Underwriters against any documentary, stamp, issue or similar tax, including any interest and penalties, on the creation, issue and sale of the Securities and on the execution and delivery of this Agreement. All
payments to be made by the Company hereunder shall be made without withholding or deduction for or on account of any present or future taxes, duties or governmental charges whatsoever unless the Company is compelled by law to deduct or withhold such
taxes, duties or charges. In that event, the Company shall pay such additional amounts as may be necessary in order that the net amounts received after such withholding or deduction shall equal the amounts that would have been received if no
withholding or deduction had been made. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(t)&nbsp;&nbsp;&nbsp;&nbsp;<I>Trademarks</I>. Upon request of any Underwriter, the Company will
furnish, or cause to be furnished, to such Underwriter an electronic version of the Company&#146;s trademarks, servicemarks and corporate logo for use on the website, if any, operated by such Underwriter for the purpose of facilitating the <FONT
STYLE="white-space:nowrap">on-line</FONT> offering of the Securities (the &#147;<B>License</B>&#148;); provided that the License shall be used solely for the purpose described above, is granted without any fee and may not be assigned or transferred.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(u)&nbsp;&nbsp;&nbsp;&nbsp;<I>Agreement Not to Offer or Sell Additional Securities</I>. During the period
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
commencing on the date hereof and ending on the Closing Time, the Company will not, without the prior written consent of each of the Representatives (which consent may be withheld at the sole
discretion of such Representative), directly or indirectly, sell, offer, contract or grant any option to sell, pledge, transfer or establish an open &#147;put equivalent position&#148; within the meaning of Rule
<FONT STYLE="white-space:nowrap">16a-1(h)</FONT> under the Exchange Act, or otherwise dispose of or transfer, or announce the offering of, or file any registration statement under the Securities Act in respect of, any debt securities of the Company
similar to the Securities or securities exchangeable for or convertible into debt securities similar to the Securities (other than as contemplated by this Agreement with respect to the Securities). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment of Expenses</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Expenses</I>. Except as set forth below, whether or not the transactions contemplated in this Agreement are
consummated or this Agreement is terminated, the Company will pay or cause to be paid all expenses incident to the performance of its obligations under this Agreement, including (i)&nbsp;the preparation, printing and filing of the Registration
Statement (including financial statements and exhibits) as originally filed and each amendment thereto, (ii)&nbsp;the preparation, printing and delivery to the Underwriters of copies of each preliminary prospectus, each Issuer Free Writing
Prospectus and the Prospectus and any amendments or supplements thereto and any costs associated with electronic delivery of any of the foregoing by the Underwriters to investors, (iii)&nbsp;the preparation, issuance and delivery of the Securities
to the Underwriters, including any transfer taxes and any stamp or other duties payable upon the sale, issuance or delivery of the Securities to the Underwriters, (iv)&nbsp;the fees and disbursements of the Company&#146;s counsel, accountants and
other advisors, (v)&nbsp;the qualification of the Securities under securities laws in accordance with the provisions of <U>Section</U><U></U><U>&nbsp;3(g)</U> hereof, including filing fees and the reasonable fees and disbursements of counsel for the
Underwriters in connection therewith and in connection with the preparation, printing and delivery to the Underwriters of the Blue Sky Survey and any supplement thereto (up to an amount of $10,000), and the fees and expenses of making the Securities
eligible for clearance, settlement and trading through the facilities of DTC, (vi)&nbsp;the fees and expenses of any trustee, registrar or paying agent, including the fees and expenses of the Trustee and the fees and disbursements of counsel for the
Trustee in connection with the Indenture and the Securities, (vii)&nbsp;the costs and expenses of the Company relating to investor presentations on any &#147;road show&#148; undertaken in connection with the marketing of the Securities, including,
without limitation, expenses associated with the production of road show slides and graphics, fees and expenses of any consultants engaged in connection with the road show presentations, travel and lodging expenses of the representatives and
officers of the Company and any such consultants, and the cost of aircraft and other transportation chartered in connection with the road show, (viii)&nbsp;the filing fees incident to, and the reasonable fees and disbursements of counsel to the
Underwriters in connection with, the review by FINRA, if required, of the terms of the sale of the Securities, (ix)&nbsp;expenses associated with the ratings of the Securities, (x)&nbsp;the document production charges and expenses associated with
printing this Agreement, (xi)&nbsp;the costs and expenses (including, without limitation, any damages or other amounts payable in connection with legal or contractual liability) associated with the reforming of any contracts for sale of the
Securities made by the Underwriters caused by a breach of the representation contained in the second sentence of <U>Section</U><U></U><U>&nbsp;1(a)(ii)</U> and <U>Section</U><U></U><U>&nbsp;1(a)(xi)</U> of this Agreement, (xii)&nbsp;the legal fees
and expenses (including fees and disbursements of the counsel for the Underwriters), and marketing, syndication and travel expenses and any expenses related to an investor presentation and/or roadshow that are incurred
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
by the Underwriters, and (xiii)&nbsp;all other costs and expenses incident to the performance of the obligations of the Company hereunder for which provision is not otherwise made in this
<U>Section&nbsp;4(a)</U>. Notwithstanding the foregoing, the Company&#146;s obligation to reimburse the Underwriters&#146; fees and expenses pursuant to <U>Section 4(a)(v)</U> (with respect to the fees of counsel to the Underwriters only) and
<U>Section</U><U></U><U>&nbsp;4(a)(xii)</U> shall be limited to an aggregate amount of $150,000. Notwithstanding anything in this Agreement to the contrary, to the extent that this Agreement is terminated due to the breach of the Underwriters, the
Company shall not be required to reimburse the Underwriters&#146; fees and expenses. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination of
Agreement</I>. If this Agreement is terminated by the Representatives in accordance with the provisions of <U>Section</U><U></U><U>&nbsp;6</U>, <U>Section</U><U></U><U>&nbsp;10(a)</U> or <U>Section</U><U></U><U>&nbsp;11</U> hereof, the Company shall
reimburse the Underwriters for all of their <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses, including the reasonable fees and disbursements of counsel for the Underwriters. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 5.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Use of Free Writing Prospectuses by Underwriters</U>. Each Underwriter represents and agrees that,
unless it obtains the prior consent of the Company and the Representatives, it has not made and will not make any offer relating to the Securities that would constitute an Issuer Free Writing Prospectus, or that would otherwise constitute a
&#147;free writing prospectus,&#148; as defined in Rule 405, required to be filed with the Commission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION
6.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions of Underwriters</U><U>&#146;</U><U> Obligations</U>. The obligations of the several Underwriters hereunder are subject to the accuracy of the representations and warranties of the Company and the Bank
contained herein or in certificates of any officer of the Company or any of its Subsidiaries delivered pursuant to the provisions hereof, to the performance by the Company of its covenants and other obligations hereunder, and to the following
further conditions: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Effectiveness of Registration Statement, etc</I>. The Registration Statement was filed
by the Company with the Commission and became effective upon filing in accordance with Rule 462(e) not earlier than three years prior to the date hereof. Each preliminary prospectus, each Issuer Free Writing Prospectus and the Prospectus shall have
been filed as required by Rule 424(b) (without reliance on Rule 424(b)(8)) and Rule 433, as applicable, within the time period prescribed by, and in compliance with, the Securities Act Regulations. No stop order suspending the effectiveness of the
Registration Statement or any post-effective amendment thereto shall have been issued under the Securities Act or proceedings therefor initiated or threatened by the Commission, no notice of objection to the use of the Registration Statement or any
post-effective amendment thereto pursuant to Rule 401(g)(2) has been received by the Company, no order preventing or suspending the use of any preliminary prospectus or the Prospectus or any amendment or supplement thereto has been issued and no
proceedings for any of those purposes have been instituted or are pending or, to the Company&#146;s knowledge, contemplated. The Company has complied with each request (if any) from the Commission for additional information. The Company shall have
paid the required Commission filing fees relating to the Securities within the time period required by Rule 456(b)(1)(i) of the Securities Act Regulations without regard to the proviso therein and otherwise in accordance with Rules 456(b) and 457(r)
of the Securities Act Regulations and, if applicable, shall have updated the &#147;Calculation of Registration Fee&#148; table in accordance with Rule 456(b)(1)(ii) either in a post-effective amendment to the Registration Statement or on the cover
page of a prospectus filed pursuant to Rule 424(b). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Opinions of Counsel for Company</I>. At the Closing Time, the
Representatives shall have received (i)&nbsp;the favorable opinions, dated the Closing Time, of Covington&nbsp;&amp; Burling LLP, counsel for the Company, in form and substance satisfactory to the Representatives and substantially in the form of
<U>Exhibit A</U> hereto, and (ii)&nbsp;the favorable opinion of Ronald H. Janis, internal counsel for the Company, in form and substance satisfactory to the Representatives and substantially in the form of <U>Exhibit B</U> hereto; in each case,
together with signed or reproduced copies of such letters for each of the other Underwriters, in form and substance reasonably satisfactory to the Representatives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Opinion of Counsel for Underwriters</I>. At the Closing Time, the Representatives shall have received the
favorable opinion, dated the Closing Time, of Holland&nbsp;&amp; Knight LLP, counsel for the Underwriters, in form and substance satisfactory to the Representatives, together with signed or reproduced copies of such letter for each of the other
Underwriters, and the Company shall have furnished to such counsel such documents as they may request for the purpose of enabling them to pass upon such matters. In giving such opinion, such counsel may rely, as to all matters governed by the laws
of jurisdictions other than the law of the State of New York and the federal securities laws of the United States, upon the opinions of counsel satisfactory to the Representatives. Such counsel may also state that, insofar as such opinion involves
factual matters, they have relied, to the extent they deem proper, upon certificates of officers and other representatives of the Company and its Subsidiaries and certificates of public officials. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Officers</I><I>&#146;</I><I> Certificate</I>. At the Closing Time, the Representatives shall have received a
certificate of the Chief Executive Officer or the President of the Company and of the chief financial or chief accounting officer of the Company, dated as of Closing Time, to the effect that (i)&nbsp;there has been no Material Adverse Effect,
(ii)&nbsp;the representations and warranties of the Company in this Agreement are true and correct with the same force and effect as though expressly made at and as of the Closing Time, (iii)&nbsp;the Company has complied with all agreements and
satisfied all conditions on its part to be performed or satisfied at or prior to the Closing Time, and (iv)&nbsp;the conditions specified in <U>Section</U><U></U><U>&nbsp;6(a)</U> hereof have been satisfied. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<I>Comfort Letters</I>. At the time of the execution of this Agreement, the Representatives shall have received
from KPMG LLP a letter with respect to the Company, dated such date, in form and substance satisfactory to the Representatives, together with signed or reproduced copies of such letter for each of the other Underwriters, confirming that they are a
registered public accounting firm and independent registered public accountants as required by the Securities Act and containing statements and information of the type ordinarily included in accountants&#146; &#147;comfort letters&#148; to
underwriters with respect to the financial statements and financial information contained in the Registration Statement, the Pricing Disclosure Package and the Prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<I>Bring-down Comfort Letter</I>. At the Closing Time, the Representatives shall have received from KPMG LLP a
letter with respect to the Company, dated as of the Closing Time, to the effect that they reaffirm the statements made in the letter furnished pursuant to <U>Section</U><U></U><U>&nbsp;6(e)</U> hereof, except that the specified date referred to
shall be a date not more than three business days prior to the Closing Time. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<I>Certificate of the Chief Financial Officer</I>. At the Closing
Time, the Representatives shall have received a certificate executed by the Chief Financial Officer, in form and substance satisfactory to the Representatives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<I>Beneficial Ownership Certificate. </I>On or before the date of this Agreement, the Representatives shall have
received a certificate satisfying the beneficial ownership due diligence requirements of the Financial Crimes Enforcement Network from the Company in form and substance satisfactory to the Representatives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<I>Absence of Rating Downgrade</I>. Subsequent to the execution and delivery of this Agreement and prior to the
Closing Time, there shall not have occurred any downgrading, nor shall any notice have been given of (i)&nbsp;any downgrading, (ii)&nbsp;any intended or potential downgrading, or (iii)&nbsp;any review or possible change that does not indicate an
improvement, in the rating accorded to the Securities by Kroll Bond Rating Agency, Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Objection</I>.
If applicable, FINRA shall have not raised any objection with respect to the fairness and reasonableness of the underwriting terms and arrangements relating to the offering of the Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Important Changes</I>. Since the execution of this Agreement, (i)&nbsp;in the judgment of the
Representatives, since the respective date hereof or the respective dates of which information is given in the Registration Statement, the Pricing Disclosure Package or the Prospectus, there shall not have occurred any Material Adverse Effect, and
(ii)&nbsp;there shall not have been any decrease in or withdrawal of the rating of any debt securities or preferred securities of the Company or any of its subsidiaries by any &#147;nationally recognized statistical rating organization&#148; (as
defined for purposes of Section&nbsp;3(a)(62) of the Exchange Act) or any notice given of any intended or potential decrease in or withdrawal of any such rating or of a possible change in any such rating that does not indicate the direction of the
possible change. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Prospectus</I>. The Company shall have complied with the provisions hereof
with respect to the furnishing of prospectuses, in electronic or printed format, on the New York business day next succeeding the date of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Termination Event</I>. On or after the date hereof, there shall not have occurred any of the events,
circumstances or occurrences set forth in <U>Section</U><U></U><U>&nbsp;10(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Legal Impediment to
Issuance and/or Sale</I>. No action shall have been taken and no statute, rule, regulation or order shall have been enacted, adopted or issued by any federal, state or foreign governmental or regulatory authority that would, as of the Closing Time,
prevent the issuance or sale of the Securities by the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;<I>Good Standing</I>. The Representatives shall
have received on and as of the Closing Time satisfactory evidence of the good standing of the Company and the Bank in their respective jurisdictions of organization, in each case in writing or any standard form of telecommunication from the
appropriate governmental authorities of such jurisdictions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;<I>Additional Documents</I>. At the Closing Time,
counsel for the Underwriters shall have been furnished with such customary closing documents as they may require for the purpose </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
of enabling them to pass upon the issuance and sale of the Securities as herein contemplated, or in order to evidence the accuracy of any of the representations or warranties, or the fulfillment
of any of the conditions, herein contained; and all proceedings taken by the Company in connection with the issuance and sale of the Securities as reasonably herein contemplated shall be in form and substance satisfactory to the Representatives and
counsel for the Underwriters. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q)&nbsp;&nbsp;&nbsp;&nbsp;If any condition specified in this Section shall not have been fulfilled when
and as required to be fulfilled, this Agreement may be terminated by the Representatives by notice to the Company at any time at or prior to Closing Time and such termination shall be without liability of any party to any other party except as
provided in <U>Section</U><U></U><U>&nbsp;4</U> and except that <U>Section</U><U></U><U>&nbsp;1</U>, <U>Section</U><U></U><U>&nbsp;6</U>, <U>Section</U><U></U><U>&nbsp;7</U>, <U>Section</U><U></U><U>&nbsp;8</U>, <U>Section</U><U></U><U>&nbsp;9</U>,
<U>Section</U><U></U><U>&nbsp;14</U>, <U>Section</U><U></U><U>&nbsp;15</U>, <U>Section</U><U></U><U>&nbsp;16</U> and <U>Section</U><U></U><U>&nbsp;17</U> shall survive any such termination and remain in full force and effect. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 7.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Indemnification of Underwriters</I>. The Company and the Bank, jointly and severally, agree to indemnify and hold
harmless each Underwriter, its affiliates (as such term is defined in Rule 501(b) of the Securities Act Regulations (each, an &#147;<B>Affiliate</B>&#148;)), selling agents, officers and directors and each person, if any, who controls any
Underwriter within the meaning of Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;against any and all loss, liability, claim, damage and expense whatsoever, as incurred, arising out
of any untrue statement or alleged untrue statement of a material fact contained in the Registration Statement (or any amendment thereto), including any information deemed to be a part thereof pursuant to Rule 430B, or the omission or alleged
omission therefrom of a material fact required to be stated therein or necessary to make the statements therein not misleading or arising out of any untrue statement or alleged untrue statement of a material fact included in any preliminary
prospectus, any Issuer Free Writing Prospectus, any &#147;road show&#148;, the Pricing Disclosure Package or the Prospectus (or any amendment or supplement thereto), or the omission or alleged omission in any preliminary prospectus, any Issuer Free
Writing Prospectus, the Pricing Disclosure Package or the Prospectus (or any amendment or supplement thereto) of a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not
misleading; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;against any and all loss, liability, claim, damage and expense whatsoever, as
incurred, to the extent of the aggregate amount paid in settlement of any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or of any claim whatsoever based upon any such untrue statement or
omission, or any such alleged untrue statement or omission; provided that (subject to <U>Section</U><U></U><U>&nbsp;7(d)</U> hereof) any such settlement is effected with the written consent of the Company; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;against any and all expense whatsoever, as incurred (including the fees and disbursements of
counsel chosen by the Representatives), reasonably incurred in investigating, preparing or defending against any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or any claim
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
whatsoever based upon any such untrue statement or omission, or any such alleged untrue statement or omission, to the extent that any such expense is not paid under (i)&nbsp;or (ii) above; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">provided, that this indemnity agreement shall not apply to any loss, liability, claim, damage or expense to the extent arising out of any untrue statement or
omission or alleged untrue statement or omission made in the Registration Statement (or any amendment thereto), including any information deemed to be a part thereof pursuant to Rule 430B, or in any preliminary prospectus, any Issuer Free Writing
Prospectus, the Pricing Disclosure Package or the Prospectus (or any amendment or supplement thereto) in reliance upon and in conformity with the Underwriter Information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Indemnification of Company, Directors and Officers</I>. Each Underwriter severally agrees to indemnify and hold
harmless the Company, its directors, each of its officers who signed the Registration Statement, and each person, if any, who controls the Company within the meaning of Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act
against any and all loss, liability, claim, damage and expense described in the indemnity contained in <U>Section</U><U></U><U>&nbsp;7(a)</U> hereof, as incurred, but only with respect to untrue statements or omissions, or alleged untrue statements
or omissions, made in the Registration Statement (or any amendment thereto), including any information deemed to be a part thereof pursuant to Rule 430B, or in any preliminary prospectus, any Issuer Free Writing Prospectus, the Pricing Disclosure
Package or the Prospectus (or any amendment or supplement thereto) in reliance upon and in conformity with the Underwriter Information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Actions against Parties; Notification</I>. Each indemnified party shall give notice as promptly as reasonably
practicable to each indemnifying party of any action commenced against it in respect of which indemnity may be sought hereunder, but failure to so notify an indemnifying party shall not relieve such indemnifying party from any liability hereunder to
the extent it is not materially prejudiced as a result thereof and in any event shall not relieve it from any liability which it may have otherwise than on account of this indemnity agreement. In the case of parties indemnified pursuant to
<U>Section</U><U></U><U>&nbsp;7(a)</U> hereof, counsel to the indemnified parties shall be selected by the Representatives, and, in the case of parties indemnified pursuant to <U>Section</U><U></U><U>&nbsp;7(b)</U> hereof, counsel to the indemnified
parties shall be selected by the Company. An indemnifying party may participate at its own expense in the defense of any such action; provided, that counsel to the indemnifying party shall not (except with the prior written consent of the
indemnified party) also be counsel to the indemnified party. In no event shall the indemnifying parties be liable for fees and expenses of more than one counsel (in addition to any local counsel) separate from their own counsel for all indemnified
parties in connection with any one action or separate but similar or related actions in the same jurisdiction arising out of the same general allegations or circumstances. No indemnifying party shall, without the prior written consent of the
indemnified parties, settle or compromise or consent to the entry of any judgment with respect to any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or any claim whatsoever in respect of
which indemnification or contribution could be sought under this <U>Section</U><U></U><U>&nbsp;7</U> or <U>Section</U><U></U><U>&nbsp;8</U> hereof (whether or not the indemnified parties are actual or potential parties thereto), unless such
settlement, compromise or consent (i)&nbsp;includes an unconditional release of each indemnified party from all liability arising out of such litigation, investigation, proceeding or claim and (ii)&nbsp;does not include a statement as to or an
admission of fault, culpability or a failure to act by or on behalf of any indemnified party. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">35 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Settlement without Consent if Failure to Reimburse</I>. If at
any time an indemnified party shall have requested an indemnifying party to reimburse the indemnified party for fees and expenses of counsel, such indemnifying party agrees that it shall be liable for any settlement of the nature contemplated by
<U>Section</U><U></U><U>&nbsp;7(a)(ii)</U> effected without its written consent if (i)&nbsp;such settlement is entered into more than 60 days after receipt by such indemnifying party of the aforesaid request, (ii)&nbsp;such indemnifying party shall
have received notice of the terms of such settlement at least 45 days prior to such settlement being entered into and (iii)&nbsp;such indemnifying party shall not have reimbursed such indemnified party in accordance with such request prior to the
date of such settlement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 8.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Contribution</U>. If the indemnification provided for in
<U>Section</U><U></U><U>&nbsp;7</U> hereof is for any reason unavailable to or insufficient to hold harmless an indemnified party in respect of any losses, liabilities, claims, damages or expenses referred to therein, then each indemnifying party
shall contribute to the aggregate amount of such losses, liabilities, claims, damages and expenses incurred by such indemnified party, as incurred, (i)&nbsp;in such proportion as is appropriate to reflect the relative benefits received by the
Company and the Bank, on the one hand, and the Underwriters, on the other hand, from the offering of the Securities pursuant to this Agreement or (ii)&nbsp;if the allocation provided by clause (i)&nbsp;is not permitted by applicable law, in such
proportion as is appropriate to reflect not only the relative benefits referred to in clause (i)&nbsp;above but also the relative fault of the Company and the Bank, on the one hand, and the Underwriters, on the other hand, in connection with the
statements or omissions which resulted in such losses, liabilities, claims, damages or expenses, as well as any other relevant equitable considerations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The relative benefits received by the Company and the Bank, on the one hand, and the Underwriters, on the other hand, in connection with the
offering of the Securities pursuant to this Agreement shall be deemed to be in the same respective proportions as the total net proceeds from the offering of the Securities pursuant to this Agreement (before deducting expenses) received by the
Company and the Bank, on the one hand, and the total underwriting discount received by the Underwriters, on the other hand, in each case as set forth on the cover of the Prospectus, bear to the aggregate initial public offering price of the
Securities as set forth on the cover of the Prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The relative fault of the Company and the Bank, on the one hand, and the
Underwriters, on the other hand, shall be determined by reference to, among other things, whether any such untrue or alleged untrue statement of a material fact or omission or alleged omission to state a material fact relates to information supplied
by the Company and the Bank or by the Underwriters and the parties&#146; relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company, the Bank and the Underwriters agree that it would not be just and equitable if contribution pursuant to this
<U>Section</U><U></U><U>&nbsp;8</U> were determined by pro rata allocation (even if the Underwriters were treated as one entity for such purpose) or by any other method of allocation which does not take account of the equitable considerations
referred to above in this <U>Section</U><U></U><U>&nbsp;8</U>. The aggregate amount of losses, liabilities, claims, damages and expenses incurred by an indemnified party and referred to above in this <U>Section</U><U></U><U>&nbsp;8</U> shall be
deemed to include any legal or other expenses reasonably incurred by such indemnified party in investigating, preparing or defending against any litigation, or any investigation or proceeding by any governmental agency
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
or body, commenced or threatened, or any claim whatsoever based upon any such untrue or alleged untrue statement or omission or alleged omission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the provisions of this <U>Section</U><U></U><U>&nbsp;8</U>, no Underwriter shall be required to contribute any amount in
excess of the underwriting discount received by such Underwriter in connection with the Securities underwritten by it and distributed to the public. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No person guilty of fraudulent misrepresentation (within the meaning of Section&nbsp;11(f) of the Securities Act) shall be entitled to
contribution from any person who was not guilty of such fraudulent misrepresentation. The Underwriters&#146; respective obligations to contribute pursuant to this <U>Section</U><U></U><U>&nbsp;8</U> are several in proportion to the aggregate
principal amount of Securities set forth opposite their respective names in <U>Schedule A</U> hereto and not joint. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this
<U>Section</U><U></U><U>&nbsp;8</U>, each person, if any, who controls an Underwriter within the meaning of Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act and each Underwriter&#146;s Affiliates, officers, directors and
selling agents shall have the same rights to contribution as such Underwriter, and each director of the Company, each officer of the Company who signed the Registration Statement, and each person, if any, who controls the Company within the meaning
of Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act shall have the same rights to contribution as the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 9.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations, Warranties and Agreements to Survive</U>. The indemnity and contribution
provisions contained in <U>Section</U><U></U><U>&nbsp;7</U> and <U>Section</U><U></U><U>&nbsp;8</U>, and all representations, warranties and agreements contained in this Agreement or in certificates of officers of the Company or any of its
Subsidiaries submitted pursuant hereto, shall remain operative and in full force and effect regardless of (i)&nbsp;any investigation made by or on behalf of any Underwriter or its Affiliates, officers, directors and or selling agents, any person
controlling any Underwriter or the Company&#146;s officers or directors or any person controlling the Company and (ii)&nbsp;delivery of and payment for the Securities. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 10.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination of Agreement</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination</I>. The Representatives may terminate this Agreement, by notice to the Company, at any time at or
prior to the Closing Time, (i)&nbsp;if there has been, in the judgment of the Representatives, since the time of execution of this Agreement or since the respective dates as of which information is given in the Registration Statement, the Pricing
Disclosure Package or the Prospectus, any Material Adverse Effect, (ii)&nbsp;if there has occurred any material adverse change in the financial markets in the United States or the international financial markets, any outbreak of hostilities or
escalation thereof or other calamity or crisis, including an epidemic, or any change or development involving a prospective change in national or international political, financial or economic conditions, including without limitation as a result of
terrorist activities, in each case the effect of which is such as to make it, in the judgment of the Representatives, impracticable or inadvisable to market the Securities or to enforce contracts for the sale of the Securities, (iii)&nbsp;if trading
in any securities of the Company has been suspended or materially limited by the Commission, or Nasdaq, (iv)&nbsp;if trading generally on the New York Stock Exchange or Nasdaq has been suspended or materially limited, or minimum or maximum prices
for trading have been fixed, or maximum ranges for prices have been required, by any of said exchanges or by order of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Commission, FINRA or any other governmental agency or body, (v)&nbsp;if a material disruption has occurred in commercial banking or securities settlement or clearance services in the United
States or with respect to Clearstream or Euroclear systems in Europe, or (vi)&nbsp;if a general moratorium on commercial banking activities has been declared by either federal, New York or State of New Jersey authorities or if there is a material
disruption in commercial banking or securities settlement or clearance services in the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Liabilities</I>. If this Agreement is terminated pursuant to this Section, such termination shall be without
liability of any party to any other party except as provided in <U>Section</U><U></U><U>&nbsp;4</U> hereof, and provided further that <U>Section</U><U></U><U>&nbsp;1</U>, <U>Section</U><U></U><U>&nbsp;6</U>, <U>Section</U><U></U><U>&nbsp;7</U>,
<U>Section</U><U></U><U>&nbsp;8</U>, <U>Section</U><U></U><U>&nbsp;9</U>, <U>Section</U><U></U><U>&nbsp;14</U>, <U>Section</U><U></U><U>&nbsp;15</U>, <U>Section</U><U></U><U>&nbsp;16</U> and <U>Section</U><U></U><U>&nbsp;17</U> shall survive such
termination and remain in full force and effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 11.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Default by One or More of the
Underwriters</U>. If one or more of the Underwriters shall fail at the Closing Time to purchase the Securities which it or they are obligated to purchase under this Agreement (the &#147;<B>Defaulted Securities</B>&#148;), the Representatives shall
have the right, within 36 hours thereafter, to make arrangements for one or more of the <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters, or any other underwriters, to purchase all, but not less than all, of the Defaulted
Securities in such amounts as may be agreed upon and upon the terms herein set forth; if, however, the Representatives shall not have completed such arrangements within such <FONT STYLE="white-space:nowrap">36-hour</FONT> period, then: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;if the number of Defaulted Securities does not exceed 10% of the number of Securities to be
purchased at the Closing Time, each of the <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters shall be obligated, severally and not jointly, to purchase the full amount thereof in the proportions that their respective underwriting
obligations hereunder bear to the underwriting obligations of all <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters, or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;if the number of Defaulted Securities exceeds 10% of the number of Securities to be purchased at
the Closing Time, this Agreement shall terminate without liability on the part of any <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No action taken pursuant to this Section shall relieve any defaulting Underwriter from liability in respect of its default. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event of any such default which does not result in a termination of this Agreement, either the Representatives or the Company shall
have the right to postpone the Closing Time for a period not exceeding seven days in order to effect any required changes in the Registration Statement, the Pricing Disclosure Package or the Prospectus or in any other documents or arrangements. As
used herein, the term &#147;Underwriter&#148; includes any person substituted for an Underwriter under this <U>Section</U><U></U><U>&nbsp;11</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 12.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>. All notices and other communications hereunder shall be in writing and shall be
deemed to have been duly given if mailed or transmitted by any standard form of telecommunication. Notices to the Underwriters shall be directed to the Representatives in the case of in the case of Piper Sandler, at 1251 Avenue of the Americas, 6th
Floor, New York, New York 10020, and in the case of BofA, at 1540 Broadway, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">NY8-540-26-01,</FONT></FONT></FONT> New York, NY 10036, Facsimile: (646) <FONT
STYLE="white-space:nowrap">855-5958,</FONT> Attention: High Grade Transaction Management/Legal </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(<U>dg.hg_ua_notices@bofa.com</U>) with copies, which shall not constitute notice, to Holland&nbsp;&amp; Knight LLP, 31 West 52nd Street, 12th Floor, New York, New York 10019, attention of Paul
Aguggia, Esq.; and notices to the Company shall be directed to it at Valley National Bancorp, 1455 Valley Road, Wayne, New Jersey 07470, attention of Michael Hagedorn, with copies, which shall not constitute notice, to Covington&nbsp;&amp; Burling
LLP, 620 Eighth Avenue, New York, New York 10018, attention of Christopher DeCresce. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 13.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Advisory or Fiduciary Relationship</U>. The Company acknowledges and agrees that (a)&nbsp;the purchase and sale of the Securities pursuant to this Agreement, including the determination of the initial public offering price of the Securities and any
related discounts and commissions, is an <FONT STYLE="white-space:nowrap">arm&#146;s-length</FONT> commercial transaction between the Company, on the one hand, and the several Underwriters, on the other hand, (b)&nbsp;in connection with the offering
of the Securities and the process leading thereto, each Underwriter is and has been acting solely as a principal and is not the agent or fiduciary of the Company or any of its Subsidiaries or its shareholders, creditors, employees or any other
party, (c)&nbsp;no Underwriter has assumed or will assume an advisory or fiduciary responsibility in favor of the Company in connection with the offering of the Securities or the process leading thereto (irrespective of whether such Underwriter has
advised or is currently advising the Company or any of its Subsidiaries on other matters) or any other obligation to the Company in connection with the offering of the Securities except the obligations expressly set forth in this Agreement,
(d)&nbsp;the Underwriters and their respective Affiliates may be engaged in a broad range of transactions that involve interests that differ from those of the Company, and (e)&nbsp;the Underwriters have not provided any legal, accounting, financial,
regulatory or tax advice in connection with the offering of the Securities and the Company has consulted its own respective legal, accounting, financial, regulatory and tax advisors to the extent it deemed appropriate. The Company waives to the
fullest extent permitted by applicable law any claims that it may have against the Underwriters arising from an alleged breach of fiduciary duty in connection with the offering of the Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 14.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Parties</U>. This Agreement shall each inure to the benefit of and be binding upon the
Underwriters, the Company and the Bank and their respective successors. Nothing expressed or mentioned in this Agreement is intended or shall be construed to give any person, firm or corporation, other than the Underwriters, the Company and the Bank
and their respective successors and the indemnified parties referred to in <U>Section</U><U></U><U>&nbsp;7</U> and <U>Section</U><U></U><U>&nbsp;8</U> and their heirs and legal representatives, any legal or equitable right, remedy or claim under or
in respect of this Agreement or any provision herein contained. This Agreement and all conditions and provisions hereof are intended to be for the sole and exclusive benefit of the Underwriters, the Company and the Bank and their respective
successors, and said controlling persons, Affiliates, selling agents, officers and directors and their heirs and legal representatives, and for the benefit of no other person, firm or corporation. No purchaser of Securities from any Underwriter
shall be deemed to be a successor by reason merely of such purchase. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 15.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Trial by Jury</U>. Each
of the Company (on its behalf and, to the extent permitted by applicable law, on behalf of its shareholders and affiliates) and the Underwriters hereby irrevocably waives, to the fullest extent permitted by applicable law, any and all right to trial
by jury in any legal proceeding arising out of or relating to this Agreement or the transactions contemplated hereby. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">39 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 16.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>GOVERNING LAW</U>. THIS AGREEMENT, ANY
TRANSACTION CONTEMPLATED HEREUNDER AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICTS OF LAW
PRINCIPLES THAT WOULD RESULT IN THE APPLICATION OF ANY LAW OTHER THAN THE LAWS OF THE STATE OF NEW YORK. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION
17.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Consent to Jurisdiction</U>. Each of the parties hereto agrees that any legal suit, action or proceeding arising out of or based upon this Agreement or the transactions contemplated hereby shall be instituted in
(i)&nbsp;the federal courts of the United States of America located in the City and County of New York, Borough of Manhattan or (ii)&nbsp;the courts of the State of New York located in the City and County of New York, Borough of Manhattan
(collectively, the &#147;<B>Specified Courts</B>&#148;), and irrevocably submits to the exclusive jurisdiction (except for proceedings instituted in regard to the enforcement of a judgment of any Specified Court, as to which such jurisdiction is <FONT
STYLE="white-space:nowrap">non-exclusive)</FONT> of the Specified Courts in any such suit, action or proceeding. Service of any process, summons, notice or document by mail to such party&#146;s address set forth above shall be effective service of
process for any suit, action or proceeding brought in any Specified Court. Each of the parties hereto irrevocably and unconditionally waives any objection to the laying of venue of any suit, action or proceeding in the Specified Courts and
irrevocably and unconditionally waive and agree not to plead or claim in any Specified Court that any such suit, action or proceeding brought in any Specified Court has been brought in an inconvenient forum. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 18.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Recognition of the U.S. Special Resolution Regimes</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;In the event that any Underwriter that is a Covered Entity becomes subject to a proceeding under a U.S. Special
Resolution Regime, the transfer from such Underwriter of this Agreement, and any interest and obligation in or under this Agreement, will be effective to the same extent as the transfer would be effective under the U.S. Special Resolution Regime if
this Agreement, and any such interest and obligation, were governed by the laws of the United States or a state of the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;In the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate of such Underwriter becomes
subject to a proceeding under a U.S. Special Resolution Regime, Default Rights under this Agreement that may be exercised against such Underwriter are permitted to be exercised to no greater extent than such Default Rights could be exercised under
the U.S. Special Resolution Regime if this Agreement were governed by the laws of the United States or a state of the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;As used in this Section&nbsp;18: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&#147;BHC Act Affiliate&#148; has the meaning assigned to the term &#147;affiliate&#148; in, and
shall be interpreted in accordance with, 12 U.S.C. &#167; 1841(k). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&#147;Covered Entity&#148;
means any of the following: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">40 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">a &#147;covered entity&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167;
252.82(b); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">a &#147;covered bank&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167;
47.3(b); or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">a &#147;covered FSI&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167;
382.2(b). </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&#147;Default Right&#148; has the meaning assigned to that term
in, and shall be interpreted in accordance with, 12 C.F.R. &#167;&#167; 252.81, 47.2 or 382.1, as applicable. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&#147;U.S. Special Resolution Regime&#148; means each of (A)&nbsp;the Federal Deposit Insurance Act
and the regulations promulgated thereunder and (B)&nbsp;Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 19.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>TIME</U>. TIME SHALL BE OF THE ESSENCE OF THIS AGREEMENT. EXCEPT AS OTHERWISE SET FORTH HEREIN,
SPECIFIED TIMES OF DAY REFER TO NEW YORK CITY TIME. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 20.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>. This Agreement may be
executed in any number of counterparts, each of which shall be deemed to be an original, but all such counterparts shall together constitute one and the same Agreement. The exchange of copies of this Agreement and of signature pages by facsimile or
other electronic means shall constitute effective execution and delivery of this Agreement by the parties hereto and may be used in lieu of the original signature pages to this Agreement for all purposes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 21.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of Headings</U>. The Section headings herein are for convenience only and shall not affect
the construction hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 22.</B>&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire Agreement; Amendments</U>. This Agreement constitutes the
entire Agreement of the parties to this Agreement and supersedes all prior written or oral and all contemporaneous oral agreements, understandings and negotiations with respect to the subject matter hereof. This Agreement may not be amended or
modified unless in writing by all of the parties hereto, and no condition herein (express or implied) may be waived unless waived in writing by each party that the condition is meant to benefit. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Pages Follow] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">41 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the foregoing is in accordance with your understanding of our agreement, please sign and
return to the Company a counterpart hereof, whereupon this instrument, along with all counterparts, will become a binding agreement among the Underwriters, the Company and the Bank in accordance with its terms. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">VALLEY NATIONAL BANCORP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Ira Robbins</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Ira Robbins</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">VALLEY NATIONAL BANK</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Ira Robbins</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Ira Robbins</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Underwriting Agreement] </I></P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CONFIRMED AND ACCEPTED, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">as of the date first above written: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PIPER SANDLER&nbsp;&amp;
CO. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For itself and as a Representative of the other Underwriters named in <U>Schedule A</U> hereto. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="78%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Jennifer Docherty</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Jennifer Docherty</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Managing Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BOFA SECURITIES, INC. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For itself and as a Representative of the other Underwriters named in <U>Schedule A</U> hereto. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="78%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Brian Ascher</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Brian Ascher</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Managing Director</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Underwriting Agreement] </I></P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE A </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="74%"></TD>

<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Name of Underwriter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Aggregate&nbsp;Principal<BR>Amount&nbsp;of&nbsp;Securities&nbsp;to&nbsp;be<br>Purchased</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Piper Sandler&nbsp;&amp; Co.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">180,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BofA Securities, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">120,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">300,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE B </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Issuer Free Writing Prospectuses </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Investor Presentation, filed with the Commission as a Free Writing Prospectus on May&nbsp;25, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Term Sheet set forth in <U>Schedule C</U>, filed with the Commission as a Free Writing Prospectus on May&nbsp;25, 2021. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE C </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Term Sheet </U></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g14779353.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$300,000,000 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>3.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes due 2031
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Term Sheet </U></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="28%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="71%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Issuer:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Valley National Bancorp (the &#147;Company&#148; or &#147;Issuer&#148;)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Security:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">3.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes due 2031 (the &#147;Notes&#148;)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Aggregate Principal Amount:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$300,000,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Expected Ratings:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">[Intentionally omitted]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">A rating is not a recommendation to buy, sell or hold securities. Ratings may be subject to revision or withdrawal at any time by the assigning rating organization. Each rating agency has its own methodology for assigning ratings
and, accordingly, each rating should be evaluated independently of any other rating.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Trade Date:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;25, 2021</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Settlement Date:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;28, 2021 (T + 3)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Maturity Date</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>(if not previously
redeemed):</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;15, 2031</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Coupon:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">From and including the Settlement Date to, but excluding, June&nbsp;15, 2026, or the date of earlier redemption (the &#147;fixed rate period&#148;) 3.00% per annum, payable semiannually in arrears. From and including June&nbsp;15,
2026 to, but excluding, the Maturity Date or the date of earlier redemption (the &#147;floating rate period&#148;), a floating rate per annum equal to the Benchmark rate (which is expected to be Three-Month Term SOFR) (each as defined in the
prospectus supplement under &#147;Description of Notes &#151; Interest&#148;), plus a spread of 236 basis points for each quarterly</TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="28%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="71%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">interest period during the floating rate period, payable quarterly in arrears; <I>provided, however</I>, that if the Benchmark rate is less than zero, the Benchmark rate shall be deemed to be zero.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Interest Payment Dates:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Fixed rate period: June&nbsp;15 and December&nbsp;15 of each year, commencing on December&nbsp;15, 2021. The last interest payment date for the fixed rate period will be June&nbsp;15, 2026.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Floating rate period: March&nbsp;15, June&nbsp;15, September&nbsp;15 and December&nbsp;15 of each year, commencing on September&nbsp;15, 2026.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Record Dates:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The 15<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> calendar day immediately preceding the applicable interest payment date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Day Count Convention:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Fixed rate period: 30/360.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Floating rate period: <FONT STYLE="white-space:nowrap">360-day</FONT> year and the number of days actually elapsed.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Optional Redemption:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The Company may, at its option, beginning with the interest payment date of June&nbsp;15, 2026, and on any interest payment date thereafter, redeem the Notes, in whole at any time or in part, from time to time, subject to obtaining
the prior approval of the Federal Reserve to the extent such approval is then required under the rules of the Federal Reserve, at a redemption price equal to 100% of the principal amount of the Notes being redeemed, plus accrued and unpaid interest
to, but excluding, the date of redemption.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Special Redemption:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The Company may redeem the Notes at any time prior to the Maturity Date, including prior to June&nbsp;15, 2026, in whole, but not in part, subject to obtaining the prior approval of the Federal Reserve to the extent such approval is
then required under the rules of the Federal Reserve, upon the occurrence of (i)&nbsp;a &#147;Tax Event&#148; (as defined under &#147;Description of Notes &#151; Redemption&#148; in the prospectus supplement), (ii) a &#147;Tier 2 Capital Event&#148;
(as defined under &#147;Description of Notes &#151; Redemption&#148; in the prospectus supplement), or (iii)&nbsp;the Company becoming required to register as an investment company under the Investment Company Act of 1940, as amended, in each case,
at a redemption price equal to 100% of the principal amount of the Notes, plus any accrued and unpaid interest to, but excluding, the redemption date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Denominations:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$1,000 minimum denominations and $1,000 integral multiples thereof.</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="28%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="71%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Use of Proceeds:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The Company intends to use the net proceeds from this offering for general corporate purposes and investments in its bank subsidiary, Valley National Bank (the &#147;Bank&#148;) as regulatory capital.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Price to Public:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">100%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Ranking:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The Notes will be the Company&#146;s general unsecured subordinated obligations and will be:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8194;&#8202;junior in right of payment to any of the Company&#146;s existing and
future &#147;Senior Debt&#148; (as defined under &#147;Description of Notes &#151; Subordination&#148; in the prospectus supplement);</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8194;&#8202;junior in right of payment to any of our existing and all of our future general
creditors;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8194;&#8202;equal in right of payment with any of the Company&#146;s existing and
future subordinated indebtedness, including its 4.55% subordinated debentures due June&nbsp;30, 2025, its 5.125% subordinated debentures due September&nbsp;27, 2023 and its 5.25% fixed to floating rate subordinated notes due June&nbsp;15,
2030;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8194;&#8202;senior to the Company&#146;s junior subordinated debentures underlying
our outstanding trust preferred securities and any indebtedness which ranks junior to the Notes;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8194;&#8202;effectively subordinated to all of the Company&#146;s secured
indebtedness to the extent of the value of the assets securing such indebtedness; and</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8194;&#8202;structurally subordinated to any existing and future liabilities and
obligations of the Company&#146;s subsidiaries, including the deposit liabilities and claims of other creditors of the Bank.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">As of March&nbsp;31, 2021, the Company had no Senior Debt (other than liabilities of approximately $5.4&nbsp;million to general creditors) outstanding on a consolidated basis, had $400.0&nbsp;million in aggregate principal amount of
indebtedness ranking equally with the Notes, and $56.2&nbsp;million of indebtedness ranking junior to the Notes. As of March&nbsp;31, 2021, the Bank had $32.6&nbsp;billion in total deposits, $2.4&nbsp;billion of Federal Home Loan Bank advances, and
$484.7&nbsp;million of securities sold under agreements to repurchase, and no federal funds purchased, and the Bank and our other subsidiaries had $468.7&nbsp;million of other liabilities, excluding intercompany liabilities, to which the Notes will
be structurally subordinated.</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="28%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="71%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>CUSIP/ISIN:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">919794 AE7<B> </B>/ US919794AE70</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Joint Book-Running Managers:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Piper Sandler&nbsp;&amp; Co. and BofA Securities, Inc.</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>The Issuer has filed a registration statement (including a prospectus) and a preliminary prospectus supplement (the
&#147;Preliminary Prospectus Supplement&#148;) with the Securities and Exchange Commission (&#147;SEC&#148;) for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement, the
Preliminary Prospectus Supplement, the final prospectus supplement (when available) and other documents the Issuer has filed with the SEC for more complete information about the Issuer and this offering. You may get these documents for free by
visiting EDGAR on the SEC&#146;s website at <U>www.sec.gov.</U> Alternatively, the Issuer, the underwriters or any dealer participating in the offering will arrange to send you the prospectus and the related Preliminary Prospectus Supplement if you
request it by emailing Piper Sandler&nbsp;&amp; Co. at <FONT STYLE="white-space:nowrap">fsg-dcm@psc.com</FONT> or calling BofA Securities, Inc. toll free at (800) <FONT STYLE="white-space:nowrap">294-1322.</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Capitalized terms used but not defined in this Pricing Term Sheet have the meanings given to them in the Preliminary Prospectus Supplement. This Pricing
Term Sheet is qualified in its entirety by reference to the Preliminary Prospectus Supplement. The information in this Pricing Term Sheet supplements the Preliminary Prospectus Supplement and supersedes the information in the Preliminary Prospectus
Supplement to the extent it is inconsistent with the information in the Preliminary Prospectus Supplement. Other information (including other financial information) presented in the Preliminary Prospectus Supplement is deemed to have changed to the
extent affected by the information contained herein. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>ANY DISCLAIMERS OR OTHER NOTICES THAT MAY APPEAR BELOW ARE NOT APPLICABLE TO THIS
COMMUNICATION AND SHOULD BE DISREGARDED. SUCH DISCLAIMERS OR OTHER NOTICES WERE AUTOMATICALLY GENERATED AS A RESULT OF THIS COMMUNICATION BEING SENT VIA BLOOMBERG OR ANOTHER EMAIL SYSTEM. </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE D </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Significant Subsidiaries of the Company </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Valley National Bank </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Valley Securities Holdings, LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">VNB New York, LLC </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Form of Opinion of Covington and Burling LLP </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Intentionally omitted] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT B </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Form of Opinion of Company Counsel </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Intentionally omitted] </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.1
<SEQUENCE>3
<FILENAME>d147793dex41.htm
<DESCRIPTION>EX-4.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 4.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VALLEY NATIONAL BANCORP </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>and </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>U.S. BANK NATIONAL
ASSOCIATION, </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>as Trustee </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INDENTURE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Dated as of
May&nbsp;28, 2021 </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SUBORDINATED DEBT SECURITIES </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TABLE OF CONTENTS </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="15%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">ARTICLE I Definitions And Other Provisions Of General Application</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Definitions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Compliance Certificates and Opinions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Documents Delivered to Trustee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acts of Holders; Record Dates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notices, Etc. to Trustee and Company</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notice to Holders; Waiver</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Conflict with Trust Indenture Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effect of Headings and Table of Contents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Successors and Assigns</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Separability Clause</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Benefits of Indenture</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Governing Law; Waiver of Jury Trial; Consent to Jurisdiction</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.13.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Legal Holidays</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE II Security Forms</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Forms Generally</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Legend for Global Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Trustee&#146;s Certificate of Authentication</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE III The Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amount Unlimited; Issuable in Series</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Denominations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Execution, Authentication, Delivery and Dating</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Temporary Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Registration, Registration of Transfer and Exchange</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mutilated, Destroyed, Lost, and Stolen Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Payment of Interest; Interest Rights Preserved</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Persons Deemed Owners</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cancellation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Computation of Interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CUSIP Numbers</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IV Satisfaction and Discharge</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Satisfaction and Discharge of Indenture</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Application of Trust Money</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE V Remedies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Events of Default</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acceleration of Maturity; Rescission and Annulment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collection of Indebtedness and Suits for Enforcement by Trustee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trustee May File Proofs of Claim</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trustee May Enforce Claims Without Possession of Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Application of Money Collected</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Limitation on Suits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Unconditional Right of Holders to Receive Principal, Premium, and Interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restoration of Rights and Remedies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rights and Remedies Cumulative</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Delay or Omission Not Waiver</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Control by Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.13.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Waiver of Past Defaults</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.14.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Undertaking for Costs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VI The Trustee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certain Duties and Responsibilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notice of Defaults</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certain Rights of Trustee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not Responsible for Recitals or Issuance of Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="15%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">May Hold Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Money Held in Trust</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Compensation and Reimbursement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Disqualification; Conflicting Interests</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Corporate Trustee Required; Eligibility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Resignation and Removal; Appointment of Successor</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acceptance of Appointment by Successor</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Merger, Conversion, Consolidation, or Succession to Business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.13.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferential Collection of Claims Against Company</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.14.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Appointment of Authenticating Agent</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VII Holder&#146;s Lists and Reports by Trustee and Company</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company to Furnish Trustee Names and Addresses of Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preservation of Information; Communications to Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Reports by Trustee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Reports by Company</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VIII Consolidation, Merger, Conveyance, Transfer or Lease</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company May Consolidate, Etc., Only on Certain Terms</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Successor Substituted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IX Supplemental Indentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Supplemental Indentures Without Consent of Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Supplemental Indentures With Consent of Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Execution of Supplemental Indentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effect of Supplemental Indentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Conformity With Trust Indenture Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Reference in Securities to Supplemental Indentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notice of Supplemental Indentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE X Covenants</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Payment of Principal, Premium, and Interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maintenance of Office or Agency</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Money for Securities Payments to Be Held in Trust</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Statement by Officers as to Default</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Existence</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maintenance of Properties</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Payment of Taxes and Other Claims</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Waiver of Certain Covenants</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Calculation of Original Issue Discount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax Payment and Tax Withholding Obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">ARTICLE XI Redemption of Securities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Applicability of Article</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Election to Redeem; Notice to Trustee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Selection by Trustee of Securities to Be Redeemed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notice of Redemption</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposit of Redemption Price</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities Payable on Redemption Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities Redeemed in Part</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE XII Sinking Funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;12.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Applicability of Article</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;12.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Satisfaction of Sinking Fund Payments with Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;12.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Redemption of Securities for Sinking Fund</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE XIII Defeasance and Covenant Defeasance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Applicability of Article; Company&#146;s Option to Effect Defeasance or Covenant
Defeasance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Defeasance and Discharge</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Covenant Defeasance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Conditions to Defeasance or Covenant Defeasance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="15%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposited Money and U.S. Government Obligations to be Held in Trust; Other Miscellaneous
Provisions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Reinstatement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE XIV Subordination Of Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities Subordinate to Senior Debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">No Payment When Senior Debt in Default</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trustee and Holders of Securities May Rely on Certificate of Liquidating Agent; Trustee May
Require Further Evidence as to Ownership of Senior Debt; Trustee Not Fiduciary to Holders of Senior Debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Payment Permitted If No Default</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trustee Not Charged with Knowledge of Prohibition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trustee to Effectuate Subordination</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rights of Trustee as Holder of Senior Debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Article&nbsp;Applicable to Paying Agents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordination Rights Not Impaired by Acts or Omissions of the Company or Holders of Senior
Debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trustee&#146;s Rights to Compensation, Reimbursement of Expenses and Indemnification</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Modification of Subordination Provisions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NOTE: This table of contents shall not, for any purpose, be deemed to be part of the Indenture. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">iii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VALLEY NATIONAL BANCORP </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Certain Sections of this Indenture relating to </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sections 310 through 318, inclusive, of the </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Trust Indenture Act of 1939: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="7" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Trust Indenture Act Section</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Indenture&nbsp;Section</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;310</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(1)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(2)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(3)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Not&nbsp;Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(4)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Not&nbsp;Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(5)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(b</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;311</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(b</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;312</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2(a)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(b</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2(b)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(c</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2(c)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;313</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.3(a)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(b</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.3(a)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(c</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.3(a)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(d</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.3(b)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;314</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(1)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(2)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(3)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(4)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(b</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Not&nbsp;Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(c</TD>
<TD NOWRAP VALIGN="bottom">)(1)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(c</TD>
<TD NOWRAP VALIGN="bottom">)(2)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(c</TD>
<TD NOWRAP VALIGN="bottom">)(3)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Not&nbsp;Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(d</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Not&nbsp;Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(e</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(f</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Not Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;315</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(b</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(c</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(d</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(e</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;316</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(1)(A)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(1)(B)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(2)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Not&nbsp;Applicable</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(b</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(c</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(c)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;317</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(1)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)(2)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(b</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#167;318</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">(a</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NOTE: This shall not, for any purpose, be deemed to be part of the Indenture. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>INDENTURE</B>, dated as of May&nbsp;28, 2021, between VALLEY NATIONAL BANCORP, a
corporation duly organized and existing under the laws of the State of New Jersey (the &#147;Company&#148;), having its principal office at 1455 Valley Road, Wayne, New Jersey, 07470, and U.S. BANK NATIONAL ASSOCIATION, as Trustee (the
&#147;Trustee&#148;). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RECITALS OF THE COMPANY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company has duly authorized the execution and delivery of this Indenture to provide for the issuance from time to time of its
subordinated, unsecured debentures, notes, or other evidences of indebtedness (the &#147;Securities&#148;), to be issued in one or more series as provided in this Indenture. All things necessary to make this Indenture a valid agreement of the
Company, in accordance with its terms, have been done. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, THIS INDENTURE WITNESSETH: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For and in consideration of the premises and the purchase of the Securities by the Holders, it is mutually agreed, for the equal and
proportionate benefit of all Holders of the Securities or of any series of the Securities, as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Definitions And Other Provisions Of General Application </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Definitions</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For all purposes of this Indenture, except as otherwise expressly provided or unless the context otherwise requires: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the terms defined in this Article have the meanings assigned to them in this Article and include the plural as
well as the singular; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">all other terms used in this Indenture which are defined in the Trust Indenture Act, either directly or by
reference to the Trust Indenture Act, have the meanings assigned to them in the Trust Indenture Act; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">all accounting terms not otherwise defined in this Indenture have the meanings assigned to them in accordance
with accounting principles generally accepted in the United States and, except as otherwise expressly provided in this Indenture, the term &#147;accounting principles generally accepted in the United States&#148; with respect to any computation
required or permitted under this Indenture shall mean such accounting principles as are generally accepted in the United States at the date of such computation; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the words &#147;herein&#148;, &#147;hereof&#148; and &#147;hereunder&#148; and other words of similar import
refer to this Indenture as a whole and not to any particular Article, Section or other subdivision; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">unless the context otherwise requires, any reference to an &#147;Article&#148; or a &#147;Section&#148; refers
to an Article or a Section, as the case may be, of this Indenture. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Act&#148;, when used with respect to any Holder, has the
meaning specified in Section&nbsp;1.4(a). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Affiliate&#148; of any specified Person means any other Person directly or indirectly controlling or
controlled by or under direct or indirect common control with such specified Person. For the purposes of this definition, &#147;control&#148; when used with respect to any specified Person means the power to direct the management and policies of
such Person, directly or indirectly, whether through the ownership of voting securities, by contract, or otherwise; and the terms &#147;controlling&#148; and &#147;controlled&#148; have the meanings correlative to the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Authenticating Agent&#148; means any Person authorized by the Trustee pursuant to Section&nbsp;6.14 to act on behalf of the Trustee to authenticate
Securities of one or more series. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Authorized Officer&#148; means any officer of the Company designated by or pursuant to a Board Resolution to take
certain actions as specified in this Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Board of Directors&#148; means either the board of directors of the Company or any other duly
authorized committee of that board. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Board Resolution&#148; means a copy of a resolution certified by the Secretary or an Assistant
Secretary of the Company to have been duly adopted by the Board of Directors, or by action of an Authorized Officer designated as such pursuant to a resolution of the Board of Directors, and to be in full force and effect on the date of such
certification, and delivered to the Trustee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Business Day&#148; means, unless otherwise specified, any day that is not a Saturday or Sunday and
that is not a day on which banking institutions are authorized or required by law, regulation or executive order to be closed in The City of New York, New York or a day on which the Corporate Trust Office is closed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Commission&#148; means the Securities and Exchange Commission, as from time to time constituted, created under the Exchange Act or, if at any time after
the execution of this Indenture such Commission is not existing and performing the duties now assigned to it under the Trust Indenture Act, then the body performing such duties at such time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Company&#148; means the Person named as the &#147;Company&#148; in the first paragraph of this Indenture until a successor Person shall have become such
pursuant to the applicable provisions of this Indenture, and thereafter &#147;Company&#148; shall mean such successor Person. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Company Request&#148;
or &#147;Company Order&#148; means a written request or order signed in the name of the Company by its Chairman, its Chief Executive Officer, its President, its Chief Financial Officer, or a Vice President, and by its Treasurer, an Assistant
Treasurer, its Controller, an Assistant Controller, its Secretary, or an Assistant Secretary, and delivered to the Trustee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Corporate Trust
Office&#148; means the office of the Trustee located at 13737 Noel Rd Suite 800, Dallas, Texas 75240, or such other address as the Trustee may designate from time to time by notice to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Covenant Defeasance&#148; has the meaning specified in Section&nbsp;13.3. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Defaulted Interest&#148; has the meaning specified in Section&nbsp;3.7. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Defeasance&#148; has the meaning specified in Section&nbsp;13.2. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Depositary&#148; means, with respect to the Securities of any series issuable or issued in whole or in part in the form of one or more Global
Securities, the Person designated as Depositary for such series by the Company pursuant to Section&nbsp;3.1, which Person shall be a clearing agency registered under the Exchange Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Event of Default&#148; has the meaning specified in Section&nbsp;5.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Exchange Act&#148; means the Securities Exchange Act of 1934, as amended now or in the future, and any successor statute. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Global Security&#148; means a Security bearing the legend prescribed in Section&nbsp;2.2 evidencing all or part of a series of Securities, authenticated
and delivered to the Depositary for such series or its nominee, and registered in the name of such Depositary or nominee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Holder&#148; means a
Person in whose name a Security is registered in the Security Register. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Indenture&#148; means this instrument as originally executed or as it may
from time to time be supplemented or amended by one or more supplemental indentures entered into pursuant to the applicable provisions of this Indenture, including, for all purposes of this Indenture and any such supplemental indenture, the
provisions of the Trust Indenture Act that are deemed to be a part of and govern this Indenture and any such supplemental indenture, respectively. The term &#147;Indenture&#148; shall also include the terms of particular series of Securities
established as contemplated by Section&nbsp;3.1. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Interest Payment Date&#148;, with respect to any Security, means the Stated Maturity of an installment
of interest on such Security. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Maturity&#148;, when used with respect to any Security, means the date on which the principal of such Security or an
installment of principal becomes due and payable in accordance with its terms or the terms of this Indenture, whether at the Stated Maturity or by declaration of acceleration, call for redemption, or otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Officers&#146; Certificate&#148; means a certificate signed by the Chairman, the Chief Executive Officer, the President, the Chief Financial Officer, or
a Vice President, and by the Treasurer, an Assistant Treasurer, the Controller, an Assistant Controller, the Secretary, or an Assistant Secretary, of the Company, and delivered to the Trustee. One of the officers signing an Officers&#146;
Certificate given pursuant to Section&nbsp;10.4 shall be the principal executive, financial, or accounting officer of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Opinion of
Counsel&#148; means a written opinion of counsel, who may be counsel for the Company, and who, in all cases, shall be reasonably acceptable to the Trustee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Original Issue Discount Security&#148; means any Security which provides for an amount less than the principal amount of such Security to be due and
payable upon a declaration of acceleration of the Maturity of such Security pursuant to Section&nbsp;5.2. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Outstanding&#148;, when used with respect
to Securities, means, as of the date of determination, all Securities previously authenticated and delivered under this Indenture, <U>except</U>: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Securities previously cancelled by the Trustee or delivered to the Trustee for cancellation;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Securities for whose payment or redemption money in the necessary amount has been previously deposited with the
Trustee or any Paying Agent (other than the Company) in trust or set aside and segregated in trust by the Company (if the Company shall act as its own Paying Agent) for the Holders of such Securities; <U>provided</U> that, if such Securities are to
be redeemed, notice of such redemption has been duly given pursuant to this Indenture or provision for such redemption satisfactory to the Trustee has been made; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Securities which have been paid pursuant to Section&nbsp;3.6 or in exchange for or in lieu of which other
Securities have been authenticated and delivered pursuant to this Indenture, other than any such Securities in respect of which there shall have been presented to the Trustee proof satisfactory to it that such Securities are held by a protected
purchaser in whose hands such Securities are valid obligations of the Company; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Securities which have been defeased pursuant to Section&nbsp;13.2; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(v)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Securities not deemed outstanding pursuant to Section&nbsp;11.3; </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>provided</U>, <U>however</U>, that in determining whether the Holders of the requisite principal amount of the Outstanding Securities have given any
request, demand, authorization, direction, notice, consent, or waiver under this Indenture, (i)&nbsp;the principal amount of an Original Issue Discount Security that shall be deemed to be Outstanding shall be the amount of the principal that would
be due and payable as of the date of such determination upon acceleration of its maturity pursuant to Section&nbsp;5.2, (ii)&nbsp;if, as of such date, the principal amount payable at the Stated Maturity of a Security is not determinable, the
principal amount of such Security which shall be deemed to be Outstanding shall be the amount as specified or determined as contemplated by Section&nbsp;3.1, and (iii)&nbsp;Securities owned by the Company or any other obligor upon the Securities or
any Affiliate of the Company or of such other obligor shall be disregarded and deemed not to be Outstanding, except that, in determining whether the Trustee shall be protected in relying upon any such request, demand, authorization, direction,
notice, consent, or waiver, only Securities which a Responsible Officer of the Trustee actually knows to be so owned shall be so disregarded. Securities so owned which have been pledged in good faith may be regarded as Outstanding if the pledgee
establishes to the satisfaction of the Trustee the pledgee&#146;s right so to act with respect to such Securities and that the pledgee is not the Company or any other obligor upon the Securities or any Affiliate of the Company or of such other
obligor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Paying Agent&#148; means any Person authorized by the Company to pay the principal of or any premium or interest on any Securities on
behalf of the Company. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Periodic Offering&#148; means an offering of Securities of any series from time to time, the specific
terms of which Securities, including, without limitation, its rate or rates of interest, if any, its Stated Maturity, and redemption provisions, if any, with respect to such Securities are to be determined by the Company or its agents upon the
issuance of such Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Person&#148; means any individual, corporation, limited liability company, partnership, joint venture, trust,
association, unincorporated organization, or government or any agency or political subdivision of any government. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Place of Payment&#148;, when used
with respect to the Securities of any series, means the place or places where the principal of and any premium and interest on the Securities of that series are payable as specified as contemplated by Section&nbsp;3.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Predecessor Security&#148; of any particular Security means every previous Security evidencing all or a portion of the same debt as that evidenced by
such particular Security; and, for the purposes of this definition, any Security authenticated and delivered under Section&nbsp;3.6 in exchange for or in lieu of a mutilated, destroyed, lost, or stolen Security shall be deemed to evidence the same
debt as the mutilated, destroyed, lost, or stolen Security. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;ranking junior to the Securities&#148;, when used with respect to any obligation of the
Company, shall mean any obligation of the Company which (a)&nbsp;ranks junior to and not equally with or prior to the Securities (or any other obligations of the Company ranking on a parity with the Securities) in right of payment upon the happening
of any event of the kind specified in the first sentence of the second paragraph in Section&nbsp;14.1 or (b)&nbsp;is specifically designated as ranking junior to the Securities by express provision in the instrument creating or evidencing such
obligation. The securing of any obligations of the Company, otherwise ranking junior to the Securities, shall be deemed to prevent such obligations from constituting obligations ranking junior to the Securities. For the avoidance of doubt, any
junior subordinated debt securities issued or assumed by the Company shall be deemed securities ranking junior to the Securities other than any such securities issued after the date hereof that by their terms expressly rank on a parity with the
Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;ranking on a parity with the Securities&#148;, when used with respect to any obligation of the Company, shall mean any obligation of
the Company which (a)&nbsp;ranks equally with and not prior to the Securities in right of payment upon the happening of any event of the kind specified in the first sentence of the second paragraph of Section&nbsp;14.1 or (b)&nbsp;is specifically
designated as ranking on a parity with the Securities by express provision in the instrument creating or evidencing such obligation. The securing of any obligations of the Company, otherwise ranking on a parity with the Securities, shall not be
deemed to prevent such obligations from constituting obligations ranking on a parity with the Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Redemption Date&#148;, when used with
respect to any Security to be redeemed, means the date fixed for such redemption by or pursuant to this Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Redemption Price&#148;, when
used with respect to any Security to be redeemed, means the price at which it is to be redeemed pursuant to this Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Regular Record
Date&#148; for the interest payable on any Interest Payment Date on the Securities of any series means the date specified for that purpose as contemplated by Section&nbsp;3.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Responsible Officer&#148;, when used with respect to the Trustee, means any officer within the corporate trust department of the Trustee, including any
director, vice president, assistant vice president, any trust officer or assistant trust officer or any other officer of the Trustee who customarily performs functions similar to those performed by the Persons who at the time shall be such officers,
respectively, or to whom any corporate trust matter relating to this Indenture is referred because of such Person&#146;s knowledge of and familiarity with the particular subject and who, in each case, shall have direct responsibility for the
administration of this Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Securities&#148; has the meaning stated in the first recital of this Indenture and more particularly means any
Securities authenticated and delivered under this Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Security Register&#148; and &#147;Security Registrar&#148; have the respective
meanings specified in Section&nbsp;3.5. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Senior Debt&#148; means </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any of the Company&#146;s indebtedness for borrowed or purchased money, whether or not evidenced by bonds,
debentures, notes, or other written instruments, including any obligations of the Company to general creditors or trade creditors, </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Company&#146;s obligations under letters of credit, </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any of the Company&#146;s indebtedness or other obligations with respect to commodity contracts, interest rate
and currency swap agreements, cap, floor, and collar agreements, currency spot and forward contracts, and other similar agreements or arrangements designed to protect against fluctuations in currency exchange or interest rates, and
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any guarantees, endorsements (other than by endorsement of negotiable instruments for collection in the
ordinary course of business), or other similar contingent obligations in respect of obligations of others of a type described in clauses (i), (ii), and (iii), whether or not such obligation is classified as a liability on a balance sheet prepared in
accordance with accounting principles generally accepted in the United States, </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">in each case whether outstanding on the date of
execution of this Indenture or incurred later, other than obligations ranking on a parity with the Securities or ranking junior to the Securities. Notwithstanding the foregoing, if the Board of Governors of the Federal Reserve (or other competent
regulatory agency or authority) promulgates any rule or issues any interpretation that defines general creditor(s), the main purpose of which is to establish a criteria for determining whether the subordinated debt of a bank holding company is to be
included in its capital, then the term &#147;general creditors&#148; as used herein the definition of Senior Debt will have the meaning as described in that rule or interpretation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Special Record Date&#148; for the payment of any Defaulted Interest means a date fixed by the Company pursuant to Section&nbsp;3.7. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Stated Maturity&#148;, when used with respect to any Security or any installment of principal or interest on such Security, means the date specified in
such Security as the fixed date on which the principal of such Security or such installment of principal or interest is due and payable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Subsidiary&#148; means a corporation or other Person more than 50% of the outstanding voting stock or a majority of the controlling interest of which is
owned, directly or indirectly, by the Company or by one or more other Subsidiaries, or by the Company and one or more other Subsidiaries. For the purposes of this definition, &#147;voting stock&#148; means stock which ordinarily has voting power for
the election of directors, whether at all times or only so long as no senior class of stock has such voting power by reason of any contingency. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Trust Indenture Act&#148; means the Trust Indenture Act of 1939, as in force at the date as of which this Indenture was executed; <U>provided</U>,
<U>however</U>, that in the event the Trust Indenture Act of 1939 is amended after such date, &#147;Trust Indenture Act&#148; means, to the extent required by any such amendment, the Trust Indenture Act of 1939, as so amended. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Trustee&#148; means the Person named as the &#147;Trustee&#148; in the first paragraph of this instrument until a successor Trustee shall have become
such pursuant to the applicable provisions of this Indenture, and thereafter &#147;Trustee&#148; shall mean or include each Person who is then a Trustee under this Indenture, and if at any time there is more than one such Person,
&#147;Trustee&#148;, as used with respect to the Securities of any series, shall mean the Trustee with respect to Securities of that series. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;U.S.
Government Obligation&#148; has the meaning specified in Section&nbsp;13.4. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Vice President&#148;, when used with respect to the Company or the
Trustee, means any vice president (other than any assistant vice president), whether or not designated by a number or a word or words added before or after the title &#147;vice president&#148;. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;Wholly Owned Subsidiary&#148; means any Subsidiary all of whose outstanding voting stock (other than directors&#146; qualifying shares) shall at the
time be owned by the Company or one or more of its Wholly Owned Subsidiaries. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Compliance Certificates and Opinions</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon any application to or request by the Company to the Trustee to take any action under any provision of this Indenture, the Company shall
furnish to the Trustee an Officers&#146; Certificate stating that all conditions precedent, if any, provided for in this Indenture relating to the proposed action have been complied with and an Opinion of Counsel stating that in the opinion of such
counsel all such conditions precedent, if any, have been complied with, except in the case of any such application or request as to which the furnishing of such documents is specifically required by any provisions of this Indenture relating to such
particular application or request, no additional certificate or opinion need be furnished. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Every certificate or opinion (other than the
Officers&#146; Certificate delivered under Section&nbsp;10.4 of this Indenture) with respect to compliance with a condition or covenant provided for in this Indenture shall include: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">a statement that each individual signing such certificate or opinion has read such covenant or condition and
the related definitions; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">a brief statement as to the nature and scope of the examination or investigation upon which the statements or
opinions contained in such certificate or opinion are based; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">a statement that, in the opinion of each such individual, he has made such examination or investigation as is
necessary to enable him to express an informed opinion as to whether or not such covenant or condition has been complied with; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">a statement as to whether, in the opinion of each such individual, such condition or covenant has been complied
with. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.3</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Form of Documents Delivered to Trustee</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In any case where several matters are required to be certified by, or covered by an opinion of, any specified Person, it is not necessary that
all such matters be certified by, or covered by the opinion of, only one such Person, or that they be so certified or covered by only one document, but one such Person may certify or give an opinion with respect to some matters and one or more other
such Persons as to other matters, and any such Person may certify or give an opinion as to such matters in one or several documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any
certificate or opinion of an officer of the Company may be based, insofar as it relates to legal matters, upon a certificate or opinion of, or representations by, counsel, unless such officer knows, or in the exercise of reasonable care should know,
that the certificate or opinion or representations with respect to the matters upon which this certificate or opinion is based are erroneous. Any such certificate or opinion of counsel may be based, insofar as it relates to factual matters, upon a
certificate or opinion of, or representations by, an officer or officers of the Company stating that the information with respect to such factual matters is in the possession of the Company, unless such counsel knows, or in the exercise of
reasonable care should know, that the certificate or opinion or representations with respect to such matters are erroneous. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Where any
Person is required to make, give, or execute two or more applications, requests, consents, certificates, statements, opinions, or other instruments under this Indenture, they may, but need not, be consolidated and form one instrument. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Acts of Holders; Record Dates</U>. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Any request, demand, authorization, direction, notice, consent, waiver, or other action provided or permitted
by this Indenture to be given or taken by Holders may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by such Holders in person or by agent duly appointed in writing; and, except as otherwise expressly
provided in this Indenture, such action shall become effective when such instrument or instruments are delivered to the Trustee and, where it is expressly required by this Indenture, to the Company. Such instrument or instruments (and the action
embodied in and evidenced by such instrument or instruments) are sometimes referred to as the &#147;Act&#148; of the Holders signing such instrument or instruments. Proof of execution of any such instrument or of a writing appointing any such agent
shall be </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
sufficient for any purpose of this Indenture and (subject to Section&nbsp;6.1) conclusive in favor of the Trustee and the Company, if made in the manner provided in this Section.
</TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Without limiting the generality of the foregoing, a Holder, including a Depositary that (or whose nominee) is a Holder of a
Global Security, may make, give, or take, by a proxy or proxies, duly appointed in writing, any request, demand, authorization, direction, notice, consent, waiver, or other action provided or permitted in this Indenture to be made, given, or taken
by Holders, and a Depositary that (or whose nominee) is a Holder of a Global Security may provide its proxy or proxies to the beneficial owners of interests in any such Global Security. </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The fact and date of the execution by any Person of any such instrument or writing may be proved by the
affidavit of a witness of such execution or by a certificate of a notary public or other officer authorized by law to take acknowledgments of deeds, certifying that the individual signing such instrument or writing acknowledged to him its execution.
Where such execution is by a signer acting in a capacity other than his individual capacity, such certificate or affidavit shall also constitute sufficient proof of his authority. The fact and date of the execution of any such instrument or writing,
or the authority of the Person executing the same, may also be proved in any other manner which the Trustee deems sufficient. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company may fix any day as the record date for the purpose of determining the Holders of Securities of any
series entitled to give or take any request, demand, authorization, direction, notice, consent, waiver, or other action, or to vote on any action, authorized, or permitted to be given or taken by Holders of Securities of such series. If not set by
the Company prior to the first solicitation of a Holder of Securities of such series made by any Person in respect of any such action, or, in the case of any such vote, prior to such vote, the record date for any such action or vote shall be the 30<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> day (or, if later, the date of the most recent list of Holders required to be provided pursuant to Section&nbsp;7.1) prior to such first solicitation or vote, as the case may be. With regard to any
record date for action to be taken by the Holders of one or more series of Securities, only the Holders of Securities of such series on such date (or their duly designated proxies) shall be entitled to give, take, or vote on the relevant action.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The ownership of Securities shall be proved by the Security Register. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(e)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Any request, demand, authorization, direction, notice, consent, waiver, or other Act of the Holder of any
Security shall bind every future Holder of the same Security and the Holder of every Security issued upon the registration of transfer of, in exchange for, or in lieu of such Security in respect of anything done, omitted, or suffered to be done by
the Trustee or the Company in reliance on such action, whether or not notation of such action is made upon such Security. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(f)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Without limiting the foregoing, a Holder entitled to give or take any action under this Indenture with regard
to any particular Security may do so with regard to all or any part of the principal amount of such Security or by one or more duly appointed agents each of which may do so pursuant to such appointment with regard to all or any different part of
such principal amount. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Notices, Etc. to Trustee and Company</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any request, demand, authorization, direction, notice, consent, waiver, or Act of Holders or other document provided or permitted by this
Indenture to be made upon, given or furnished to, or filed with, </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee by any Holder or by the Company shall be sufficient for every purpose under this Indenture if made,
given, furnished, or filed in writing to or with the Trustee at its Corporate Trust Office, or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Company by the Trustee or by any Holder shall be sufficient for every purpose under this Indenture (unless
otherwise expressly provided in this Indenture) if in writing and mailed, first-class postage prepaid, to the Company addressed to it at the address of its principal office specified in the first paragraph of this instrument or at any other address
previously furnished in writing to the Trustee by the Company, Attention: Corporate Secretary. </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Trustee shall have
the right, but shall not be required, to rely upon and comply with notices, instructions, directions or other communications sent by <FONT STYLE="white-space:nowrap">e-mail,</FONT> facsimile and other similar unsecured electronic methods by persons
believed by the Trustee to be authorized to give instructions and directions on behalf of the Company. The Trustee shall have no duty or obligation to verify or confirm that the person who sent such </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
instructions or directions is, in fact, a person authorized to give instructions or directions on behalf of the Company; and the Trustee shall have no liability for any losses, liabilities, costs
or expenses incurred or sustained by the Company as a result of such reliance upon or compliance with such notices, instructions, directions or other communications. The Company agrees to assume all risks arising out of the use of such electronic
methods to submit notices, instructions, directions or other communications to the Trustee, including without limitation the risk of the Trustee acting on unauthorized instructions, and the risk of interception and misuse by third parties. The
Company shall use all reasonable endeavors to ensure that any such notices, instructions, directions or other communications transmitted to the Trustee pursuant to this Indenture are complete and correct. Any such notices, instructions, directions
or other communications shall be conclusively deemed to be valid instructions from the Company to the Trustee for the purposes of this Indenture. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Notice to Holders; Waiver</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Where this Indenture provides for notice to Holders of any event, such notice shall be sufficiently given (unless otherwise expressly provided
in this Indenture) if in writing and (i)&nbsp;mailed, first-class postage prepaid, to each Holder affected by such event, at his address as it appears in the Security Register, or (ii)&nbsp;in the event that a Depositary (or a nominee thereof) is a
Holder of Securities issued in the form of Global Securities, then with respect to such Securities given by electronic, email or other means as such be acceptable to such Depositary, in all cases, not later than the latest date (if any), and not
earlier than the earliest date (if any), prescribed for the giving of such notice. In any case where notice to Holders is given by mail, neither the failure to mail such notice, nor any defect in any notice so mailed, to any particular Holder shall
affect the sufficiency of such notice with respect to other Holders. Where this Indenture provides for notice in any manner, such notice may be waived in writing by the Person entitled to receive such notice, either before or after the event, and
such waiver shall be the equivalent of such notice. Waivers of notice by Holders shall be filed with the Trustee, but such filing shall not be a condition precedent to the validity of any action taken in reliance upon such waiver. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case by reason of the suspension of regular mail service or by reason of any other cause it shall be impracticable to give such notice by
mail, then such notification as shall be made with the approval of the Trustee shall constitute a sufficient notification for every purpose under this Indenture. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Conflict with Trust Indenture Act</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any provision of this Indenture limits, qualifies, or conflicts with a provision of the Trust Indenture Act that is required under such Act
to be a part of and govern this Indenture, the latter provision shall control. If any provision of this Indenture modifies or excludes any provision of the Trust Indenture Act that may be so modified or excluded, the latter provision shall be deemed
to apply to this Indenture as so modified or to be excluded, as the case may be. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.8.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Effect of Headings and Table of Contents</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Article and Section headings in this Indenture and the Table of Contents are for convenience only and shall not affect the construction of
this Indenture. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.9.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Successors and Assigns</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All covenants and agreements in this Indenture by the Company shall bind its successors and assigns, whether so expressed or not. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.10.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Separability Clause</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case any provision in this Indenture or in the Securities shall be invalid, illegal, or unenforceable, the validity, legality, and
enforceability of the remaining provisions shall not in any way be affected or impaired by such invalid, illegal, or unenforceable provision. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.11.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Benefits of Indenture</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Nothing in this Indenture or in the Securities, express or implied, shall give to any Person, other than the parties to this Indenture and
their successors under this Indenture, any benefit or any legal or equitable right, remedy or claim under this Indenture. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.12.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Governing Law; Waiver of Jury Trial; Consent to Jurisdiction</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Indenture and the Securities shall be governed by and construed in accordance with the laws of the State of New York (including but not
limited to N.Y. General Obligations Law <FONT STYLE="white-space:nowrap">Section&nbsp;5-1401</FONT> and any successor statute thereto). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of the Company and the Trustee, and each Holder of a Security by its acceptance thereof, hereby irrevocably waives, to the fullest extent
permitted by applicable law, any and all right it may have to trial by jury in any legal proceeding directly or indirectly arising out of or relating to this Indenture, the Securities or the transactions contemplated hereby or thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of the Company and the Trustee irrevocably consents and submits, for itself and in respect of any of its assets or property, to the
nonexclusive jurisdiction of any court of the State of New York or any United States court sitting, in each case, in the Borough of Manhattan, The City of New York, New York, United States of America, and of any appellate court in respect thereof in
any suit, action or proceeding that may be brought in connection with this Indenture or the Securities, and waives any immunity from the jurisdiction of such courts. Each of the Company and the Trustee irrevocably waives, to the fullest extent
permitted by law, any objection to any such suit, action or proceeding that may be brought in such courts whether on the grounds of venue, residence or domicile or on the ground that any such suit, action or proceeding has been brought in an
inconvenient forum. Each of the Company and the Trustee agrees, to the fullest extent that it lawfully may do so, that final judgment in any such suit, action or proceeding brought in such a court shall be conclusive and binding upon the Company and
the Trustee, respectively, and the Company waives, to the fullest extent permitted by law, any objection to the enforcement by any competent court in the Company&#146;s jurisdiction of organization of judgments validly obtained in any such court in
New York on the basis of such suit, action or proceeding. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;1.13.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Legal Holidays</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In any case where any Interest Payment Date, Redemption Date, or Stated Maturity of any Security shall not be a Business Day at any Place of
Payment, then (notwithstanding any other provision of this Indenture or of the Securities, other than a provision of the Securities of any series which specifically states that such provision shall apply in lieu of this Section) payment of interest
or principal (and premium, if any) need not be made at such Place of Payment on such date, but may be made on the next succeeding Business Day at such Place of Payment with the same force and effect as if made on the Interest Payment Date, or
Redemption Date, or at the Stated Maturity, <U>provided</U> that no interest shall accrue with respect to the payment due on such date for the period from and after such Interest Payment Date, Redemption Date, or Stated Maturity, as the case may be.
</P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Security Forms </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;2.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Forms Generally</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Securities of each series shall be in substantially such form or forms as shall be established by or pursuant to one or more Board
Resolutions or in one or more indentures supplemental to this Indenture, or in an Officer&#146;s Certificate pursuant to such Board Resolution or any such supplemental indenture, in each case with such appropriate insertions, omissions,
substitutions, and other variations as are required or permitted by this Indenture, and may have such letters, numbers, or other marks of identification and such legends or endorsements placed on them as may be required to comply with the rules of
any securities exchange or as may, consistently with this Indenture, be determined by the officers executing such Securities, as evidenced by their execution of the Securities. If the form of Securities of any series is established by action taken
pursuant to a Board Resolution, a copy of an appropriate record of such action shall be certified by the Secretary or an Assistant Secretary of the Company and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
delivered to the Trustee at or prior to the delivery of the Company Order contemplated by Section&nbsp;3.3 for the authentication and delivery of such Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The definitive Securities, if any, shall be printed, lithographed, or engraved on steel engraved borders or may be produced in any other
manner, all as determined by the officers executing such Securities, as evidenced by their execution of such Securities. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;2.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Form of Legend for Global Securities</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any Global Security authenticated and delivered under this Indenture shall bear a legend (in addition to any legend that may be required by the
applicable requirements of the Depositary) in substantially the following form: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;This Security is a Global Security within the
meaning of the Indenture referred to in this Security and is registered in the name of a Depositary or its nominee. This Security may not be transferred to, or registered or exchanged for Securities registered in the name of, any Person other than
the Depositary or its nominee or a successor of such Depositary or a nominee of such successor and no such transfer may be registered, except in the limited circumstances described in the Indenture. Every Security authenticated and delivered upon
registration of transfer of, or in exchange for or in lieu of, this Security shall be a Global Security subject to the foregoing, except in such limited circumstances.&#148; </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;2.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Form of Trustee&#146;s Certificate of Authentication. </U> </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee&#146;s certificates of authentication shall be in substantially the following form: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This is one of the Securities of the series designated therein referred to in the within-mentioned Indenture. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="45%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="45%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Dated:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP>U.S. BANK NATIONAL ASSOCIATION, as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">Authorized Signatory</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>The Securities </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Amount Unlimited; Issuable in Series</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The aggregate principal amount of Securities which may be authenticated and delivered under this Indenture is unlimited. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Securities may be issued in one or more series. There shall be established in or pursuant to a Board Resolution and, subject to
Section&nbsp;3.3, set forth, or determined in the manner provided, in an Officers&#146; Certificate pursuant to a Board Resolution or indenture supplemental to this Indenture, or established in one or more indentures supplemental to this Indenture,
prior to the issuance of Securities of any series, </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the title of the Securities of the series (which shall distinguish the Securities of the series from Securities
of any other series); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any limit upon the aggregate principal amount of the Securities of the series which may be authenticated and
delivered under this Indenture (except for Securities authenticated and delivered upon registration of transfer of, or in exchange for, or in lieu of, other Securities of the series pursuant to Section&nbsp;3.4, 3.5, 3.6, 9.6, or 11.7 and except for
any Securities which, pursuant to Section&nbsp;3.3, are deemed never to have been authenticated and delivered under this Indenture); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Person to whom any interest on a Security of the series shall be payable, if other than the Person in whose
name that Security (or one or more Predecessor Securities) is registered at the close of business on Regular Record Date for such interest; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the date or dates on which the principal (and premium, if any) of the Securities of the series is payable;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the rate or rates at which the Securities of the series shall bear interest, if any, the date or dates from
which such interest shall accrue, the Interest Payment Dates on which any such interest shall be payable, and the Regular Record Date for any interest payable on any Interest Payment Date; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the place or places in addition to the Borough of Manhattan, The City of New York, where the principal of and
any premium and interest on Securities of the series shall be payable; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the period or periods within which, the price or prices at which, and the terms and conditions upon which
Securities of the series may be redeemed, in whole or in part, at the option of the Company and, if other than by a Board Resolution, the manner in which any election by the Company to redeem the Securities shall be evidenced; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the obligation, if any, of the Company to redeem, purchase, or repay Securities of the series pursuant to any
mandatory redemption, sinking fund, or analogous provision or at the option of a Holder of the Security, and the period or periods within which, the price or prices at which, and the terms and conditions upon which Securities of the series shall be
redeemed, purchased, or repaid, in whole or in part, pursuant to such obligation; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">if other than denominations of $1,000 and integral multiples of such denomination, the denomination or
denominations in which Securities of the series shall be issuable; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(10)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">if the amount of payments of principal of or any premium or interest on any Securities of the series may be
determined with reference to an index or formula, the manner in which such amounts shall be determined; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(11)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">if other than the principal amount of the Securities of the series, the portion of the principal amount of
Securities which shall be payable upon declaration of acceleration of its Maturity pursuant to Section&nbsp;5.2; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(12)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">if the principal amount payable at the Stated Maturity of any Securities of the series will not be determinable
as of any one or more dates prior to the Stated Maturity, the amount which shall be deemed to be the principal amount of such Securities as of any such date for any purpose under the Securities or this Indenture, including the principal amount which
shall be due and payable upon any Maturity other than the Stated Maturity or which shall be deemed to be Outstanding as of any date prior to the Stated Maturity (or, in any such case, the manner in which such amount deemed to be the principal amount
shall be determined); </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(13)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the application, if any, of either or both of Section&nbsp;13.2 and Section&nbsp;13.3 to the Securities of the
series (including, in the case of Section&nbsp;13.3, the covenants and any Events of Default not specified therein that are subject thereto) and, if other than by a Board Resolution, the manner in which any election pursuant to such Sections by the
Company shall be evidenced; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(14)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">whether the Securities of the series shall be issuable in whole or in part in the form of one or more Global
Securities and, in such case, the Depositary or Depositaries for such Global Security or Global Securities (if other than The Depository Trust Company), and any circumstances other than those set forth in Section&nbsp;3.5 in which any such Global
Security may be transferred to, and registered and exchanged for, Securities registered in the name of, a Person other than the Depositary for such Global Security or its nominee and in which any such transfer may be registered;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(15)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any Authenticating Agents, Paying Agents, or any other agents with respect to the Securities of the series;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(16)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any other covenant or warranty included for the benefit of Securities of the series in addition to (and not
inconsistent with) those included in this Indenture for the benefit of Securities of all series, or any other covenant or warranty included for the benefit of Securities of the series in lieu of any covenant or warranty included in this Indenture
for the benefit of Securities of all series (including any covenant contained in Article X), or any provision that any covenant or warranty included in this Indenture for the benefit of Securities of all series (including any covenant contained in
Article X) shall not be for the benefit of Securities of such series, or any change to or combination of the provisions of any such covenant or warranty included in this Indenture for the benefit of Securities of all series (including any covenants
contained in Article X) which applies to the Securities of such series; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(17)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any addition to, deletion from, or change in the Events of Default which applies to any Securities of the
series and any change in the right of the Trustee or the requisite Holders of such Securities to declare the principal amount of such Securities due and payable pursuant to Section&nbsp;5.2; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(18)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any other terms of the Securities of such series, or of any specified tenor thereof. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All Securities of any one series shall be substantially identical except as to denomination and except as may otherwise be provided in or
pursuant to the Board Resolution referred to above and (subject to Section&nbsp;3.3) set forth, or determined in the manner provided, in the Officers&#146; Certificate referred to above or in any indenture supplemental to the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise provided with respect to the Securities of any series, at the option of the Company, interest on the Securities of any series
that bears interest may be paid by mailing a check to the address of the Person entitled to such interest as such address shall appear in the Security Register. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any of the terms of the series are established by action taken pursuant to a Board Resolution, a copy of an appropriate record of such
action shall be certified by the Secretary or an Assistant Secretary of the Company and delivered to the Trustee at or prior to the delivery of the Officers&#146; Certificate setting forth the terms of the series. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Denominations</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Securities of each series shall be issuable in registered form without coupons in such denominations as shall be specified as contemplated
by Section&nbsp;3.1. In the absence of any such provisions with respect to the Securities of any series, the Securities of such series shall be issuable in minimum denominations of $1,000 and any integral multiples of such denominations. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Execution, Authentication, Delivery and Dating</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Securities shall be executed on behalf of the Company by its Chairman, its Chief Executive Officer, its President, or one of its Vice
Presidents, and may (but need not) have the corporate seal of the Company affixed or reproduced thereon and, if so affixed or reproduced, attested by its Secretary or one of its Assistant Secretaries. The signature of any of these officers on the
Securities may be manual or facsimile. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Securities bearing the manual or facsimile signatures of individuals who were at any time
the proper officers of the Company shall bind the Company, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Securities or did not hold such offices at the date of
such Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At any time and from time to time after the execution and delivery of this Indenture, the Company may deliver Securities
of any series executed by the Company to the Trustee for authentication, together with the documents referred to below in this Section&nbsp;3.3, for the authentication and delivery of such Securities, and the Trustee shall authenticate and deliver
such Securities to or upon a Company Order or pursuant to such procedures acceptable to the Trustee and to such recipients as may be specified from time to time by a Company Order. If so provided in or pursuant to the Board Resolution or
supplemental indenture establishing the Securities of any series, the maturity date, original issue date, interest rate, and any other terms of any or all of the Securities of such series may be determined by or pursuant to such Company Order and
procedures. If provided for in such procedures, such Company Order may authorize authentication and delivery pursuant to electronic instructions from the Company or its duly authorized agent, which instructions shall be promptly confirmed in
writing. In authenticating such Securities and accepting the additional responsibilities under this Indenture in relation to such Securities, the Trustee shall be entitled to receive and (subject to Section&nbsp;6.1) shall be fully protected in
relying upon, unless and until such documents have been superseded or revoked: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">a Company Order requesting such authentication and setting forth delivery instructions if the Securities are
not to be delivered to the Company, provided that, with respect to Securities of a series subject to a Periodic Offering, (i)&nbsp;such Company Order may be delivered by the Company to the Trustee at any time prior to the delivery to the Trustee of
the Securities of such series for authentication and delivery, (ii)&nbsp;the Trustee shall authenticate and deliver the Securities of such series for original issue from time to time, in an aggregate principal amount not exceeding the aggregate
principal amount established for such series, pursuant to a Company Order or pursuant to such procedures acceptable to the Trustee as may be specified from time to time by a Company Order, and (iii)&nbsp;if so provided in or pursuant to the Board
Resolution or supplemental indenture establishing the Securities of such series, the maturity date, original issue date, interest rate, and any other terms of any or all of the Securities of such series may be determined by a Company Order or
pursuant to such procedures; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any Board Resolution, Officers&#146; Certificate and/or executed supplemental indenture referred to in Sections
2.1 and 3.1 by or pursuant to which the form or forms and terms of the Securities of such series were established; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">an Officers&#146; Certificate setting forth the form or forms and the terms of the Securities of such series,
stating that such form or forms and terms have been established pursuant to Sections 2.1 and 3.1 and comply with this Indenture, and covering such other matters as the Trustee may reasonably request; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">an Opinion of Counsel, substantially to the effect that: </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the form or forms of the Securities of such series have been duly authorized and established in conformity with
the provisions of this Indenture; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the terms of the Securities of such series (or the manner of determining such terms) have been established in
conformity with the provisions of this Indenture; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">that such Securities, when authenticated and delivered by the Trustee and issued by the Company in the manner
and subject to any conditions specified in such Opinion of Counsel, will constitute valid and legally binding obligations of the Company, enforceable in accordance with their terms, subject to bankruptcy, insolvency, fraudulent transfer,
reorganization, moratorium, and similar laws of general applicability relating to or affecting creditors rights and to general equity principles and other customary qualifications and assumptions. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee shall not be required to authenticate such Securities if the issue of such Securities pursuant to this Indenture will affect the
Trustee&#146;s own rights, duties, liabilities or immunities under the Securities or this Indenture or otherwise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the
provisions of Section&nbsp;3.1 and of the preceding paragraph, if all Securities of a series are not to be originally issued at one time, it shall not be necessary to deliver the above specified documents at or prior
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
to the time of authentication of each Security of such series if such documents are delivered at or prior to the authentication upon original issuance of the first Security of such series to be
issued. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Security shall be dated the date of its authentication. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No Security shall be entitled to any benefit under this Indenture or be valid or obligatory for any purpose unless there appears on such
Security a certificate of authentication substantially in the form provided for in this Indenture executed by the Trustee by manual signature of an authorized signatory, and such certificate upon any Security shall be conclusive evidence, and the
only evidence, that such Security has been duly authenticated and delivered under this Indenture. Notwithstanding the foregoing, if any Security shall have been authenticated and delivered but never issued and sold by the Company, and the Company
shall deliver such Security to the Trustee for cancellation as provided in Section&nbsp;3.9, for all purposes of this Indenture, such Security shall be deemed never to have been authenticated and delivered under this Indenture and shall never be
entitled to the benefits of this Indenture. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Temporary Securities</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pending the preparation of definitive Securities of any series, the Company may execute, and upon Company Order the Trustee shall authenticate
and deliver, temporary Securities which are printed, lithographed, typewritten, mimeographed, or otherwise produced, in any authorized denomination, substantially of the tenor of the definitive Securities in lieu of which they are issued and with
such appropriate insertions, omissions, substitutions, and other variations as the officers executing such Securities may determine, as evidenced by their execution of such Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If temporary Securities of any series are issued, the Company will cause definitive Securities of that series to be prepared without
unreasonable delay. After the preparation of definitive Securities of such series, the temporary Securities of such series shall be exchangeable for definitive Securities of such series upon surrender of the temporary Securities of such series at
the office or agency of the Company in a Place of Payment for that series, without charge to the Holder. Upon surrender for cancellation of any one or more temporary Securities of any series, the Company shall execute and the Trustee shall
authenticate and deliver in exchange one or more definitive Securities of the same series, of any authorized denominations and of a like aggregate principal amount and tenor. Until so exchanged the temporary Securities of any series shall in all
respects be entitled to the same benefits under this Indenture as definitive Securities of such series and tenor. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Registration, Registration of Transfer and Exchange</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall cause to be kept at the Corporate Trust Office of the Trustee a register (the register maintained in such office or in any
other office or agency of the Company in a Place of Payment may sometimes be collectively referred to as the &#147;Security Register&#148;) in which, subject to such reasonable regulations as it may prescribe, the Company shall provide for the
registration of Securities and of transfers of Securities. The Trustee is hereby appointed &#147;Security Registrar&#148; for the purpose of registering Securities and transfers of Securities as provided in this Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon surrender for registration of transfer of any Security of any series at the office or agency of the Company in a Place of Payment for
that series, the Company shall execute, and the Trustee shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Securities of the same series, of any authorized denominations and of a like aggregate
principal amount and tenor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the option of the Holder, Securities of any series may be exchanged for other Securities of the same
series, of any authorized denominations and of a like aggregate principal amount and tenor, upon surrender of the Securities to be exchanged at such office or agency. Whenever any Securities are so surrendered for exchange, the Company shall
execute, and the Trustee shall authenticate and deliver, the Securities which the Holder making the exchange is entitled to receive. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All
Securities issued upon any registration of transfer or exchange of Securities shall be the valid obligations of the Company, evidencing the same debt, and entitled to the same benefits under this Indenture, as the Securities surrendered upon such
registration of transfer or exchange. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Every Security presented or surrendered for registration of transfer or for exchange shall
(if so required by the Company or the Trustee) be duly endorsed, or be accompanied by a written instrument of transfer in form satisfactory to the Company and the Security Registrar duly executed, by the Holder or his attorney duly authorized in
writing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No service charge shall be made for any registration of transfer or exchange of Securities, but the Company or the Trustee may
require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any registration of transfer or exchange of Securities, other than exchanges pursuant to Section&nbsp;3.4, 9.6, or 11.7 not
involving any transfer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall not be required (i)&nbsp;to issue, register the transfer of, or exchange Securities of any
series during a period beginning at the opening of business 15&nbsp;days before the day of the delivery of a notice of redemption of Securities of that series selected for redemption under Section&nbsp;11.3 and ending at the close of business on the
day of such delivery, or (ii)&nbsp;to register the transfer of or exchange any Security so selected for redemption in whole or in part, except the unredeemed portion of any Security being redeemed in part. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing and except as otherwise specified as contemplated by Section&nbsp;3.1, if at any time the Depositary for the
Securities of a series represented by a Global Security or Global Securities notifies the Company that it is unwilling or unable to continue as a Depositary for the Securities of such series or if at any time the Depositary for Securities of a
series shall no longer be registered or in good standing under the Exchange Act or other applicable statute or regulation, the Company shall appoint a successor Depositary with respect to the Securities of such series. If a successor Depositary for
the Securities of such series is not appointed by the Company or, if appointed, has not accepted such appointment, within 90&nbsp;days after the Company receives such notice or becomes aware of such condition, the Company will execute, and the
Trustee, upon Company Request, will authenticate and deliver, Securities of such series in definitive form in an aggregate principal amount equal to the principal amount of the Global Security or Global Securities representing Securities of such
series in exchange for such Global Security or Global Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that (i)&nbsp;the Company at any time and in its sole
discretion determines that the Securities of any series issued in the form of one or more Global Securities shall no longer be represented by such Global Security or Global Securities or (ii)&nbsp;there shall have occurred and be continuing an Event
of Default with respect to the Securities of any series, the Company will execute, and the Trustee, upon Company Request or instructions from the Depositary, will authenticate and deliver, Securities of such series in definitive form and in an
aggregate principal amount equal to the principal amount of the Global Security or Global Securities representing such series in exchange for such Global Security or Global Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon the occurrence in respect of any Global Security of any series of any one or more of the conditions specified in the preceding two
paragraphs or such other conditions as may be specified as contemplated by Section&nbsp;3.1 for such series, such Global Security may be exchanged for Securities registered in the names of, and the transfer of such Global Security may be registered
to, such Persons (including Persons other than the Depositary with respect to such series and its nominees) as such Depositary shall direct. Notwithstanding any other provision of this Indenture, any Security authenticated and delivered upon
registration of transfer of, or in exchange for, or in lieu of, any Global Security shall also be a Global Security and shall bear the legend or legends specified in Section&nbsp;2.2 except for any Security authenticated and delivered in exchange
for, or upon registration of transfer of, a Global Security pursuant to the preceding sentence. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Mutilated, Destroyed, Lost, and Stolen Securities</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any mutilated Security is surrendered to the Trustee, the Company shall execute and the Trustee shall authenticate and deliver in exchange a
new Security of the same series and of like tenor and principal amount and bearing a number not contemporaneously outstanding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If there
shall be delivered to the Company and the Trustee (i)&nbsp;evidence to their satisfaction of the destruction, loss, or theft of any Security and (ii)&nbsp;such security or indemnity as may be required by them to save each of them and any agent of
either of them harmless, then, in the absence of notice to the Company or the Trustee that such Security has been acquired by a protected purchaser, the Company shall execute and the Trustee shall authenticate and deliver, in lieu of any such
destroyed, lost, or stolen Security, a new Security of the same series and of like tenor and principal amount and bearing a number not contemporaneously outstanding. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case any such mutilated, destroyed, lost, or stolen Security has become or is about to
become due and payable, the Company in its discretion may, instead of issuing a new Security, pay such Security. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon the issuance of any
new Security under this Section, the Company may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation to such issuance and any other expenses (including the fees and expenses of the
Trustee) connected with such issuance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Every new Security of any series issued pursuant to this Section in lieu of any destroyed, lost,
or stolen Security shall constitute an original additional contractual obligation of the Company, whether or not the destroyed, lost, or stolen Security shall be at any time enforceable by anyone, and shall be entitled to all the benefits of this
Indenture equally and proportionately with any and all other Securities of that series duly issued under this Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The provisions
of this Section are exclusive and shall preclude (to the extent lawful) all other rights and remedies with respect to the replacement or payment of mutilated, destroyed, lost, or stolen Securities. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Payment of Interest; Interest Rights Preserved</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as otherwise provided as contemplated by Section&nbsp;3.1 with respect to any series of Securities, interest on any Security which is
payable, and is punctually paid or duly provided for, on any Interest Payment Date shall be paid to the Person in whose name that Security (or one or more Predecessor Securities) is registered at the close of business on the Regular Record Date for
such interest. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any interest on any Security of any series which is payable, but is not punctually paid or duly provided for, on any
Interest Payment Date (&#147;Defaulted Interest&#148;) shall cease to be payable to the Holder on the relevant Regular Record Date by virtue of having been such Holder, and such Defaulted Interest may be paid by the Company, at its election in each
case, as provided in Clause (1)&nbsp;or (2)&nbsp;below: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company may elect to make payment of any Defaulted Interest to the Persons in whose names the Securities of
such series (or their respective Predecessor Securities) are registered at the close of business on a Special Record Date for the payment of such Defaulted Interest, which shall be fixed in the following manner. The Company shall notify the Trustee
in writing of the amount of Defaulted Interest proposed to be paid on each Security of such series and the date of the proposed payment, and at the same time the Company shall deposit with the Trustee an amount of money equal to the aggregate amount
proposed to be paid in respect of such Defaulted Interest or shall make arrangements satisfactory to the Trustee for such deposit prior to the date of the proposed payment, such money when deposited to be held in trust for the benefit of the Persons
entitled to such Defaulted Interest as provided in this Clause. At such time the Company shall fix a Special Record Date for the payment of such Defaulted Interest which shall be not more than 15 days and not less than 10 days prior to the date of
the proposed payment and not less than 10 days after the receipt by the Trustee of the notice of the proposed payment. The Company shall promptly notify the Trustee of such Special Record Date and the Trustee, in the name and at the expense of the
Company, shall cause notice of the proposed payment of such Defaulted Interest and the related Special Record Date to be delivered electronically or mailed, first-class postage prepaid, to each Holder of Securities of such series at his address as
it appears in the Security Register, not less than 10 days prior to such Special Record Date. Notice of the proposed payment of such Defaulted Interest and the related Special Record Date having been so sent, such Defaulted Interest shall be paid to
the Persons in whose names the Securities of such series (or their respective Predecessor Securities) are registered at the close of business on such Special Record Date and shall no longer be payable pursuant to the following Clause (2). The
Trustee will have no duty whatsoever to determine whether any Defaulted Interest is payable or the amount thereof. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company may make payment of any Defaulted Interest on the Securities of any series in any other lawful
manner not inconsistent with the requirements of any securities exchange on which such Securities may be listed, and upon such notice as may be required by such exchange, if, after notice given by the Company to the Trustee of the proposed payment
pursuant to this clause, such manner of payment shall be deemed practicable by the Trustee. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the foregoing provisions of this Section, each Security delivered under this
Indenture upon registration of transfer of or in exchange for or in lieu of any other Security shall carry the rights to interest accrued and unpaid, and to accrue, which were carried by such other Security. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.8.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Persons Deemed Owners</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Prior to due presentment of a Security for registration of transfer, the Company, the Trustee, and any agent of the Company or the Trustee may
treat the Person in whose name such Security is registered as the owner of such Security for the purpose of receiving payment of principal of and any premium and (subject to Section&nbsp;3.7) any interest on such Security and for all other purposes
whatsoever, whether or not such Security be overdue, and neither the Company, the Trustee, nor an agent of the Company or the Trustee shall be affected by notice to the contrary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No holder of any beneficial interest in any Global Security registered in the name of a Depositary or its nominee shall have any rights under
this Indenture with respect to such Global Security, and such Depositary or nominee, as the case may be, may be treated by the Company, the Trustee, and any agent of the Company or the Trustee as the owner of such Global Security for all purposes
whatsoever. Notwithstanding the foregoing, nothing in this Indenture shall prevent the Company, the Trustee, or any agent of the Company or the Trustee from giving effect to any written certification, proxy, or other authorization furnished by a
Depositary or its nominee pursuant to this Indenture. Furthermore, none of the Company, the Trustee, any Paying Agent, the Security Registrar, or any other agent of the Company or the Trustee will have any responsibility or liability for any aspect
of the records relating to or payments made on account of beneficial ownership interests in any such Global Security or for maintaining, supervising or reviewing any records relating to such beneficial ownership interests. The Company, the Trustee,
any Paying Agent, the Security Registrar, or any other agent of the Company or the Trustee shall be entitled to deal with the Depositary, and any nominee thereof, that is the registered holder of any Global Security for all purposes of this
Indenture relating to such Global Security (including the payment of principal, premium, if any, and interest and additional amounts, if any, and the giving of instructions or directions by or to the owner or holder of a beneficial ownership
interest in such Global Security) as the sole holder of such Global Security and shall have no obligations to the beneficial owners thereof. None of the Trustee, the Paying Agent or the Security Registrar shall have any responsibility or liability
for any acts or omissions of the Depositary with respect to such Global Security, for the records of any such depositary, including records in respect of beneficial ownership interests in respect of any such Global Security, for any transactions
between the Depositary and any Depositary participant or between or among the Depositary, any such Depositary participant and/or any holder or owner of a beneficial interest in such Global Security, or for any transfers of beneficial interests in
any such Global Security. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.9.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Cancellation</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All Securities surrendered for payment, conversion, redemption, registration of transfer or exchange, or for credit against any sinking fund
payment shall, if surrendered to any Person other than the Trustee, be delivered to the Trustee and shall be promptly cancelled by it. The Company may at any time deliver to the Trustee for cancellation any Securities previously authenticated and
delivered which the Company may have acquired in any manner whatsoever, and may deliver to the Trustee (or to any other Person for delivery to the Trustee) for cancellation any Securities previously authenticated which the Company has not issued and
sold, and all Securities so delivered shall be promptly cancelled by the Trustee. No Securities shall be authenticated in lieu of or in exchange for any Securities cancelled as provided in this Section, except as expressly permitted by this
Indenture. All cancelled Securities held by the Trustee shall be disposed of promptly by the Trustee in accordance with its customary procedures. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.10.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Computation of Interest</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as otherwise specified as contemplated by Section&nbsp;3.1 for Securities of any series, interest on the Securities of each series shall
be computed on the basis of a <FONT STYLE="white-space:nowrap">360-day</FONT> year of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;3.11.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>CUSIP Numbers</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company in issuing the Securities may use &#147;CUSIP&#148;, &#147;ISIN&#148; or other similar numbers (if then generally in use), and, if
so, the Trustee shall use &#147;CUSIP&#148;, &#147;ISIN&#148; or other similar numbers in notices of redemption as a </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
convenience to Holders; <U>provided</U> that any such notice may state that no representation is made as to the correctness of such numbers either as printed on the Securities or as contained in
any notice of a redemption and that reliance may be placed only on the other identification numbers printed on the Securities, and any such redemption shall not be affected by any defect in or omission of such numbers. The Company shall promptly
notify the Trustee in writing of any change in &#147;CUSIP&#148;, &#147;ISIN&#148; or other similar numbers. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Satisfaction and Discharge </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;4.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Satisfaction and Discharge of Indenture</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Indenture shall upon Company Request cease to be of further effect, including the provisions of Article&nbsp;XIV (except as to any
surviving rights of registration of transfer or exchange of Securities expressly provided for in this Indenture), and the Trustee, at the expense of the Company, shall execute proper instruments acknowledging satisfaction and discharge of this
Indenture, when </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">either: </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(A)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">all Securities previously authenticated and delivered (other than (i)&nbsp;Securities which have been
destroyed, lost, or stolen and which have been replaced or paid as provided in Section&nbsp;3.6 and (ii)&nbsp;Securities for whose payment money has previously been irrevocably deposited in trust or segregated and held in trust by the Company and
thereafter repaid to the Company or discharged from such trust, as provided in Section&nbsp;10.3) have been delivered to the Trustee for cancellation; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(B)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">all such Securities not previously delivered to the Trustee for cancellation </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">have become due and payable, or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">will become due and payable at their Stated Maturity within one year, or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">are to be called for redemption within one year under arrangements satisfactory to the Trustee for the giving
of notice of redemption by the Trustee in the name, and at the expense, of the Company, </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">and the Company, in the case of
(i), (ii)&nbsp;or (iii)&nbsp;above, has irrevocably deposited or caused to be deposited with the Trustee as trust funds in trust for the purpose an amount sufficient to pay and discharge the entire indebtedness on such Securities not previously
delivered to the Trustee for cancellation (other than Securities which have been destroyed, lost, or stolen and which have been replaced or paid as provided in Section&nbsp;3.6), for principal and any premium and interest to the date of such deposit
(in the case of Securities which have become due and payable) or to the Stated Maturity or Redemption Date, as the case may be; </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Company has paid or caused to be paid all other sums payable by the Company under this Indenture; and
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Company has delivered to the Trustee an Officers&#146; Certificate and an Opinion of Counsel, each stating
that all conditions precedent provided for in this Indenture relating to the satisfaction and discharge of this Indenture have been complied with. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the satisfaction and discharge of this Indenture, the obligations of the Company to the Trustee under Section&nbsp;6.7, the
obligations (if any) of the Company to any Authenticating Agent under Section&nbsp;6.14 and, if money shall have been deposited with the Trustee pursuant to subclause (B)&nbsp;of Clause (1)&nbsp;of this Section, the obligations of the Trustee under
Section&nbsp;4.2 and the last paragraph of Section&nbsp;10.3 shall survive. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event Securities of two or more series were at any
time issued under this Indenture, the Trustee shall be required to execute an instrument acknowledging satisfaction and discharge of this Indenture only if requested to do so with respect to the Securities of all series as to which it is Trustee and
if the conditions of satisfaction and discharge of this Indenture contained in this Section&nbsp;4.1 in respect of such Securities have been satisfied. In the event there are two or more Trustees under this Indenture, the effectiveness of any such
instrument shall be conditioned upon receipt of such instruments from all such Trustees. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;4.2</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Application of Trust Money</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the provisions of the last paragraph of Section&nbsp;10.3, all money deposited with the Trustee pursuant to Section&nbsp;4.1 shall
be held in trust and applied by it, in accordance with the provisions of the Securities and this Indenture, to the payment, either directly or through any Paying Agent (including the Company acting as its own Paying Agent) as the Trustee may
determine, to the Persons entitled to such money, of the principal and any premium and interest for whose payment such money has been deposited with the Trustee. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Remedies
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Events of Default</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Events of Default&#148;, wherever used in this Indenture with respect to Securities of any series, means any one of the following events
(whatever the reason for such Event of Default, whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree, or order of any court or any order, rule, or regulation of any administrative or
governmental body): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the entry of a decree or order for relief in respect of the Company by a court having jurisdiction in the
premises in an involuntary case under any applicable bankruptcy, insolvency, or reorganization law, now or hereafter in effect of the United States of America or any political subdivision thereof, and such decree or order shall have continued
unstayed and in effect for a period of 60 consecutive days; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the commencement by the Company of a voluntary case under any applicable bankruptcy, insolvency, or
reorganization law, now or hereafter in effect of the United States of America or any political subdivision thereof, or the consent by the Company to the entry of a decree or order for relief in an involuntary case under any such law; or
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any other Event of Default with respect to Securities of that series. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Acceleration of Maturity; Rescission and Annulment</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If an Event of Default specified in Sections&nbsp;5.1(1) or 5.1(2) with respect to Securities of any series then Outstanding shall have
occurred and be continuing, then, in each and every such case, the principal amount and interest, if any, on all of the Securities of all series then Outstanding shall become immediately due and payable without any declaration or other act on the
part of the Trustee or any Holders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At any time after the occurrence of an Event of Default with respect to Securities of one or more
series and before a judgment or decree for payment of the money due has been obtained by the Trustee as provided below in this Article, the Holders of a majority in principal amount of the Outstanding Securities of all affected series (voting as one
class), by written notice to the Company and the Trustee may waive all defaults with respect to all affected series, and may rescind and annul the consequences of the Event of Default if: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Company has paid or deposited with the Trustee a sum sufficient to pay (A)&nbsp;all overdue interest on all
Securities of all affected series, (B)&nbsp;the principal of (and premium, if any, on) any Securities of all affected series which have become due otherwise than by such declaration of acceleration and any interest on such Securities at the rate or
rates prescribed in such Securities, (C)&nbsp;to the extent that payment of such interest is lawful, interest upon overdue interest at the rate or rates prescribed in such Securities, and (D)&nbsp;all sums paid or advanced by the Trustee under this
Indenture and the reasonable compensation, expenses, disbursements, and advances of the Trustee, its agents, and counsel; </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">and </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">all Events of Default with respect to Securities of all affected series, other than the <FONT
STYLE="white-space:nowrap">non-payment</FONT> of the principal of Securities of the affected series which has become due solely by such acceleration, have been cured or waived as provided in Section&nbsp;5.13. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">No such rescission shall affect any subsequent default or impair any consequent right. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For all purposes under this Indenture, if a portion of the principal of any Original Issue
Discount Securities shall have been accelerated and declared due and payable pursuant to the provisions of this Indenture, then, from and after the date of such Event of Default, unless such Event of Default has been rescinded and annulled as
provided above, the principal amount of such Original Issue Discount Securities shall be deemed, for all purposes under this Indenture, to be such portion of the principal as shall be due and payable as a result of such acceleration, and the payment
of such portion of the principal as shall be due and payable as a result of such acceleration, together with interest, if any, on such portion and all other amounts owing under such Original Issue Discount Security, shall constitute payment in full
of such Original Issue Discount Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except for an Event of Default specified in Sections 5.1(1) or 5.1(2), no other Events of
Default with respect to Securities of any series then Outstanding shall result in the acceleration of the principal or interest on Securities then Outstanding. For any Event of Default, other than those specified in Sections 5.1(1) or 5.1(2), and
for any default, or failure to perform, or breach of any covenant or warranty of the Company, there shall not be a right to accelerate the principal or interest due under the Securities then Outstanding. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Collection of Indebtedness and Suits for Enforcement by Trustee</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company covenants that if: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">default is made in the payment of any interest on any Security when such interest becomes due and payable and
such default continues for a period of 30 days, </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">default is made in the payment of the principal of (or premium, if any, on) any Security at its Maturity,
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">default is made in the making or satisfaction of any sinking fund or analogous obligation when the same becomes
due pursuant to the terms of any Security, or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">default is made in the performance, or breach, of any covenant or warranty of the Company in this Indenture
(other than a covenant or warranty a default in whose performance or whose breach is elsewhere in this Section specifically dealt with or which has been expressly included in this Indenture solely for the benefit of a series of Securities other than
such series), and such default or breach continues for a period of 30 days after there has been given, by registered or certified mail, to the Company by the Trustee or to the Company and the Trustee by the Holders of at least 25% in principal
amount of the Outstanding Securities of such series a written notice specifying such default or breach and requiring it to be remedied and stating that such notice is a &#147;Notice of Default&#148; under this Indenture, </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">the Company will, upon demand of the Trustee, pay to it, for the benefit of the Holders of such Securities, the whole amount then due and payable on such
Securities for principal and any premium and interest and, to the extent that payment of such interest shall be legally enforceable, interest on any overdue principal and premium and on any overdue interest, at the rate or rates prescribed in such
Securities, and, in addition, such further amount as shall be sufficient to cover the costs and expenses of collection, including the reasonable compensation, expenses, disbursements, and advances of the Trustee, its agents, and counsel. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Company fails to pay such amounts immediately upon such demand, the Trustee, in its own name and as trustee of an express trust, may
institute a judicial proceeding for the collection of the sums so due and unpaid, may prosecute such proceeding to judgment or final decree, and may enforce the same against the Company or any other obligor upon such Securities and collect the
moneys adjudged or decreed to be payable in the manner provided by law out of the property of the Company or any other obligor upon such Securities, wherever situated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If an Event of Default with respect to Securities of any series occurs and is continuing, the Trustee may in its discretion proceed to protect
and enforce its rights and the rights of the Holders of Securities of such series by such appropriate judicial proceedings as the Trustee shall deem most effectual to protect and enforce any such rights, whether for the specific enforcement of any
covenant or agreement in this Indenture or in aid of the exercise of any power granted in this Indenture, or to enforce any other proper remedy. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Trustee May File Proofs of Claim</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case of any judicial proceeding relative to the Company (or any other obligor upon the Securities), its property, or its creditors, the
Trustee shall be entitled and empowered, by intervention in such proceeding or otherwise, to take any and all actions authorized under the Trust Indenture Act in order to have claims of the Holders and the Trustee allowed in any such proceeding. In
particular, the Trustee shall be authorized to collect and receive any moneys or other property payable or deliverable on any such claims and to distribute the same; and any custodian, receiver, assignee, trustee, liquidator, sequestrator, or other
similar official in any such judicial proceeding is authorized by each Holder to make such payments to the Trustee and, in the event that the Trustee shall consent to the making of such payments directly to the Holders, to pay to the Trustee any
amount due it for the reasonable compensation, expenses, disbursements, and advances of the Trustee, its agents and counsel, and any other amounts due the Trustee under Section&nbsp;6.7. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No provision of this Indenture shall be deemed to authorize the Trustee to authorize or consent to or accept or adopt on behalf of any Holder
any plan of reorganization, arrangement, adjustment, or composition affecting the Securities or the rights of any Holder or to authorize the Trustee to vote in respect of the claim of any Holder in any such proceeding; <U>provided</U>,
<U>however</U>, the Trustee may vote on behalf of the Holders for the election of a trustee in bankruptcy or similar official and may be a member of a creditors, or other similar committee. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Trustee May Enforce Claims Without Possession of Securities</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All rights of action and claims under this Indenture or the Securities may be prosecuted and enforced by the Trustee without the possession of
any of the Securities or the production of such Securities in any related proceeding, and any such proceeding instituted by the Trustee shall be brought in its own name as trustee of an express trust, and any recovery of judgment shall, after
provision for the payment of the reasonable compensation, expenses, disbursements, and advances of the Trustee, its agents, and counsel, be for the ratable benefit of the Holders of the Securities in respect of which such judgment has been
recovered. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Application of Money Collected</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any money collected by the Trustee pursuant to this Article or, after an Event of Default, any money or other property distributable in respect
of the Company&#146;s obligations under this Indenture shall be applied in the following order, at the date or dates fixed by the Trustee and, in case of the distribution of such money on account of principal or any premium or interest, upon
presentation of the Securities and the notation on such Securities of the payment if only partially paid and upon surrender of such Securities if fully paid: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">FIRST: To the payment of all amounts due the Trustee and their agents and attorneys (including any predecessor trustee) under Section&nbsp;6.7; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SECOND: To the payment of amounts then due and unpaid to the holders of Senior Debt, to the extent required by Article&nbsp;XIV; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIRD: To the payment of the amounts then due and unpaid for principal of and any premium and interest on the Securities in respect of which or for the
benefit of which such money has been collected, ratably, without preference or priority of any kind, according to the amounts due and payable on such Securities for principal and any premium and interest, respectively. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Limitation on Suits</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No Holder of any Security of any series shall have any right to institute any proceeding, judicial or otherwise, with respect to this
Indenture, or for the appointment of a receiver or trustee, or for any other remedy under this Indenture, unless: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder has previously given written notice to the Trustee of a continuing Event of Default with respect to
the Securities of that series; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Holders of not less than 25% in principal amount of the Outstanding Securities of that series shall have
made written request to the Trustee to institute proceedings in respect of such Event of Default in its own name as Trustee under the Indenture; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such Holder or Holders have offered to the Trustee indemnity satisfactory to the Trustee against the costs,
expenses, and liabilities to be incurred in compliance with such request; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee for 60 days after its receipt of such notice, request, and offer of indemnity has failed to
institute any such proceeding; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">no direction inconsistent with such written request has been given to the Trustee during such <FONT
STYLE="white-space:nowrap">60-day</FONT> period by the Holders of a majority in principal amount of the outstanding Securities of that series; </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">it being understood and intended that no one or more of such Holders shall have any right in any manner whatever by virtue of, or by availing of, any
provision of this Indenture to affect, disturb, or prejudice the rights of any other of such Holders, or to obtain or to seek to obtain priority or preference over any other of such Holders or to enforce any right under this Indenture, except in the
manner provided in this Indenture and for the equal and ratable benefit of all of such Holders (it being understood that the Trustee does not have an affirmative duty to ascertain whether or not such actions or forbearances affect, disturb or
prejudice the rights of such Holders or obtain priority or preference over any other of such Holders). </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.8.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Unconditional Right of Holders to Receive Principal, Premium, and Interest</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding any other provision in this Indenture, the Holder of any Security shall have the right, which is absolute and unconditional, to
receive payment of the principal of and any premium and (subject to Section&nbsp;3.7) any interest on such Security on the Stated Maturity or Maturities expressed in such Security (or, in the case of redemption, on the Redemption Date), and to
institute suit for the enforcement of any such payment and such rights shall not be impaired without the consent of such Holder, subject, however, to the provisions of Article&nbsp;XIV. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.9.<U></U></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Restoration of Rights and Remedies. </U></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Trustee or any Holder has instituted any proceeding to enforce any right or remedy under this Indenture and such proceeding has been
discontinued or abandoned for any reason, or has been determined adversely to the Trustee or to such Holder, then and in every such case, subject to any determination in such proceeding, the Company, the Trustee and the Holders shall be restored
severally and respectively to their former positions under this Indenture and thereafter all rights and remedies of the Trustee and the Holders shall continue as though no such proceeding had been instituted. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.10.<U></U></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Rights and Remedies Cumulative. </U></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as otherwise provided with respect to the replacement or payment of mutilated, destroyed, lost, or stolen Securities in the last
paragraph of Section&nbsp;3.6, no right or remedy conferred in this Indenture upon or reserved to the Trustee or to the Holders is intended to be exclusive of any other right or remedy, and every right and remedy shall, to the extent permitted by
law, be cumulative and in addition to every other right and remedy given under this Indenture or now or in the future existing at law or in equity or otherwise. The assertion or employment of any right or remedy under this Indenture, or otherwise,
shall not prevent the concurrent assertion or employment of any other appropriate right or remedy. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.11.<U></U></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Delay or Omission Not Waiver. </U></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No delay or omission of the Trustee or of any Holder of any Securities to exercise any right or remedy accruing upon any Event of Default shall
impair any such right or remedy or constitute a waiver of or acquiescence in any such Event of Default. Every right and remedy given by this Article or by law to the Trustee or to the Holders may be exercised from time to time, and as often as may
be deemed expedient, by the Trustee or by the Holders, as the case may be. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.12.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Control by Holders</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Holders of a majority in principal amount of the Outstanding Securities of any series shall have the right to direct the time, method, and
place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred on the Trustee, with respect to the Securities of such series, <U>provided</U> that </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">such direction shall not be in conflict with any rule of law or with this Indenture, </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee may take any other action deemed proper by the Trustee which is not inconsistent with such
direction, and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall have the right to decline to follow any such direction if the Trustee in good faith shall, by
a Responsible Officer or Officers of the Trustee, determine that the proceeding so directed would involve the Trustee in personal liability. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.13.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Waiver of Past Defaults</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to Section&nbsp;5.2, the Holders of not less than a majority in principal amount of the Outstanding Securities of any series may on
behalf of the Holders of all the Securities of such series waive any past default under this Indenture with respect to such series and its consequences, except a default (1)&nbsp;in the payment of the principal of or any premium or interest on any
Security of such series, or (2)&nbsp;in respect of a covenant or provision of this Indenture which under Article&nbsp;IX cannot be modified or amended without the consent of the Holder of each Outstanding Security of such affected series. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon any such waiver, such default shall cease to exist, and any Event of Default arising from such default shall be deemed to have been
cured, for every purpose of this Indenture; but no such waiver shall extend to any subsequent or other default or impair any consequent right. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;5.14.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Undertaking for Costs</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All parties to this Indenture agree, and each Holder of any Securities by his acceptance of such Securities shall be deemed to have agreed,
that any court may in its discretion require, in any suit for the enforcement of any right or remedy under this Indenture, or in any suit against the Trustee for any action taken, suffered, or omitted by it as Trustee, the filing by any party
litigant in such suit of an undertaking to pay the costs of such suit, and that such court may in its discretion assess reasonable costs, including reasonable attorney&#146;s fees and expenses, against any party litigant in such suit, having due
regard to the merits and good faith of the claims or defenses made by such party litigant; but the provisions of this Section&nbsp;5.14 shall not apply to any suit instituted by the Trustee, to any suit instituted by any Holder, or group of Holders,
holding in the aggregate more than 10% in principal amount of the outstanding Securities of any series, or to any suit instituted by any Holder for the enforcement of the payment of the principal of (or premium, if any) or interest on any Securities
on or after the Stated Maturity or Maturities expressed in such Securities (or, in the case of redemption, on or after the Redemption Date). </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VI </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>The Trustee
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Certain Duties and Responsibilities</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) Except during the continuance of an Event of Default, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) the Trustee undertakes to perform such duties and only such duties as are specifically set forth in this Indenture, and no implied
covenants or obligations shall be read into this Indenture against the Trustee; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) in the absence of bad faith on its part, the
Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon certificates or opinions furnished to the Trustee and conforming to the requirements of this Indenture; but in the case of
any such certificates or opinions which by any provision hereof are specifically required to be furnished to the Trustee, the Trustee shall be under a duty to examine the same to determine whether or not they </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">
conform to the requirements of this Indenture (but need not confirm or investigate the accuracy of mathematical calculations or other facts, statements, opinions or conclusions stated therein).
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) In case an Event of Default has occurred and is continuing, the Trustee shall exercise such of the rights and powers vested in it by this Indenture,
and use the same degree of care and skill in their exercise, as a prudent person would exercise or use under the circumstances in the conduct of his or her own affairs. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) No provision of this Indenture shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act, or
its own willful misconduct, except that </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(1) this Subsection (c)&nbsp;shall not be construed to limit the effect of Subsections (a)&nbsp;or
(d)&nbsp;of this Section; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(2) the Trustee shall not be liable for any error of judgment made in good faith by a Responsible Officer,
unless it shall be proved that the Trustee was negligent in ascertaining the pertinent facts; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(3) the Trustee shall not be liable with
respect to any action taken or omitted to be taken by it in good faith in accordance with the direction of the Holders of a majority in principal amount of the Outstanding Securities of any series, determined as provided herein, relating to the
time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Indenture with respect to the Securities of such series. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) No provision of this Indenture shall require the Trustee to expend or risk its own funds or otherwise incur any financial liability in the performance of
any of its duties hereunder, or in the exercise of any of its rights or powers, if it shall have reasonable grounds for believing that repayment of such funds or adequate indemnity against such risk or liability is not assured to it. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(e) Whether or not therein expressly so provided, every provision of this Indenture relating to the conduct or affecting the liability of or affording
protection to the Trustee shall be subject to the provisions of this Section&nbsp;6.1. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Notice of Defaults</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Within 90 days after the occurrence of any default hereunder with respect to the Securities of any series, the Trustee shall transmit by
first-class mail, postage prepaid, to all Holders of Securities of such series, as their names and addresses appear in the Security Register (or in case that a Depositary (or a nominee thereof) is a Holder of Securities issued in the form of Global
Securities, then with respect to such Securities give by electronic, email or other means as such be acceptable to such Depositary), notice of such default hereunder known to the Trustee (as provided in Section&nbsp;6.3(i)), unless such default
shall have been cured or waived; <U>provided</U>, <U>however</U>, that except in the case of default in the payment of the principal of or the interest on any of the Securities of such series, or in the payment of any sinking fund installment or
analogous payment on such series, the Trustee shall be protected in withholding such notice if and so long as the Trustee in good faith determines that the withholding of such notice is in the interests of the Holders of such series. For the purpose
of this Section, the term &#147;default&#148; means any event which is, or after notice or lapse of time or both would become, an Event of Default with respect to Securities of such series. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Certain Rights of Trustee</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the provisions of Section&nbsp;6.1: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee may conclusively rely and shall be fully protected in acting or refraining from acting upon any
resolution, certificate, statement, instrument, opinion, report, notice, request, direction, consent, order, bond, debenture, note, other evidence of indebtedness, or other paper or document believed by it to be genuine and to have been signed or
presented by the proper party or parties; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any request or direction of the Company mentioned in this Indenture shall be sufficiently evidenced by a
Company Request or Company Order and any resolution of the Board of Directors may be sufficiently evidenced by a Board Resolution; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">whenever in the administration of this Indenture the Trustee shall deem it desirable that a matter be proved or
established prior to taking, suffering, or omitting any action under this Indenture, the Trustee (unless other </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
evidence be specifically prescribed in this Indenture) may, in the absence of bad faith on its part, conclusively rely upon an Officers&#146; Certificate; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">before the Trustee acts or refrains from acting, it may require an Officers&#146; Certificate or an Opinion of
Counsel or both. The Trustee shall not be liable for any action it takes or omits to take in good faith in reliance on such Officers&#146; Certificate or Opinion of Counsel. The Trustee may consult with counsel of its selection and the advice of
such counsel or any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken, suffered, or omitted by it under this Indenture in good faith and in reliance on such advice or Opinion of Counsel;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(e)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall be under no obligation to exercise any of the rights or powers vested in it by this Indenture
at the request or direction of any of the Holders pursuant to this Indenture, unless such Holders shall have offered to the Trustee security or indemnity satisfactory to the Trustee against the costs, expenses, and liabilities which might be
incurred by it in compliance with such request or direction; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(f)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution,
certificate, statement, instrument, opinion, report, notice, request, direction, consent, order, bond, debenture, note, other evidence of indebtedness, or other paper or document, but the Trustee, in its discretion, may make such further inquiry or
investigation into such facts or matters as it may see fit, and, if the Trustee shall determine to make such further inquiry or investigation, it shall be entitled to examine the books, records, and premises of the Company, personally or by agent or
attorney at the sole cost of the Company and shall incur no liability or additional liability of any kind by reason of such inquiry or investigation; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(g)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee may execute any of the trusts or powers or perform any duties under this Indenture either directly
or by or through agents or attorneys and the Trustee shall not be responsible for any misconduct or negligence on the part of any agent or attorney appointed with due care by it; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(h)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall not be liable for any action taken, suffered, or omitted to be taken by it in good faith that
is believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Indenture; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall not be charged with knowledge of any default or Event of Default with respect to the
Securities unless written notice of such default or Event of Default shall have been given to a Responsible Officer of the Trustee at the Corporate Trust Office of the Trustee by the Company or by any Holder of the Securities, and such notice
references the Securities and this Indenture; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(j)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the permissive rights of the Trustee enumerated herein shall not be construed as duties; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(k)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the rights, privileges, protections, immunities and benefits given to the Trustee, including, without
limitation, its right to be indemnified, are extended to, and shall be enforceable by, the Trustee in each of its capacities hereunder, and each agent, custodian and other Person employed to act hereunder; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(l)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee may request that the Company deliver a certificate setting forth the names of individuals and/or
titles of officers authorized at such time to take specified actions pursuant to this Indenture, which certificate may be signed by any person authorized to sign an Officers&#146; Certificate, including any person specified as so authorized in any
such certificate previously delivered and not superseded; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(m)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">anything in this Indenture notwithstanding, in no event shall the Trustee be responsible or liable for special,
indirect, punitive or consequential loss or damage of any kind whatsoever (including but not limited to loss of profit), even if the Trustee has been advised as to the likelihood of such loss or damage and regardless of the form of action;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(n)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall not be responsible or liable for any failure or delay in the performance of its obligations
under this Indenture arising out of or caused, directly or indirectly, by circumstances beyond its control, including, without limitation, (i)&nbsp;any act or provision of present or future law or regulation or governmental authority,
(ii)&nbsp;labor disputes, strikes or work stoppages, (iii)&nbsp;accidents, (iv) acts of war or terrorism, (v)&nbsp;civil or military disturbances or unrest, (vi)&nbsp;nuclear or natural catastrophes or acts of God, (vii)&nbsp;epidemics or pandemics,
(viii)&nbsp;disease, (ix) quarantine, (x)&nbsp;national emergency, (xi)&nbsp;interruptions, loss or malfunctions of utilities, communications or computer (software and hardware) services, (xii)&nbsp;communications system failure, (xiii)&nbsp;malware
or ransomware, (xiv)&nbsp;the unavailability of the Federal Reserve Bank wire, telex or other communication or wire facility, or (xv)&nbsp;unavailability of any securities clearing system; it being understood
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
that the Trustee shall use reasonable efforts which are consistent with accepted practices in the banking industry to resume performance as soon as practicable under the circumstances;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(o)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">under no circumstances shall the Trustee be liable in its individual capacity for the obligations evidenced by
the Securities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(p)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall not be required to give any bond or surety in respect of the performance of its powers and
duties hereunder; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(q)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">no provision of this Indenture shall be deemed to impose any duty or obligation on the Trustee to take or omit
to take any action, in the performance of its duties or obligations under this Indenture, or to exercise any right or power thereunder, to the extent that taking or omitting to take such action would violate applicable law binding upon it.
</P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Not Responsible for Recitals or Issuance of Securities</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The recitals contained in this Indenture and in the Securities, except the Trustee&#146;s certificates of authentication, shall be taken as the
statements of the Company, and the Trustee or any Authenticating Agent assumes no responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Indenture or of the Securities. The Trustee or any
Authenticating Agent shall not be accountable for the use or application by the Company of Securities or the proceeds from such Securities, and it shall not be responsible for any statement in any other document in connection with the sale of the
Securities. The Trustee shall not be responsible to make any calculation with respect to any matter under this Indenture. The Trustee shall have no duty to monitor or investigate the Company&#146;s compliance with or the breach of, or cause to be
performed or observed, any representation, warranty, or covenant, or agreement of any Person, other than the Trustee, made in this Indenture. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>May Hold Securities</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee, any Authenticating Agent, any Paying Agent, any Security Registrar, or any other agent of the Company, in its individual or any
other capacity, may become the owner or pledgee of Securities and, subject to Sections&nbsp;6.8 and 6.13, may otherwise deal with the Company with the same rights it would have if it were not Trustee, Authenticating Agent, Paying Agent, Security
Registrar, or such other agent. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Money Held in Trust</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Money held by the Trustee in trust under this Indenture need not be segregated from other funds except to the extent required by law. The
Trustee shall be under no liability for interest on any money received by it under this Indenture except as otherwise agreed in writing with the Company. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Compensation and Reimbursement</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company agrees: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to pay to the Trustee from time to time such compensation as shall be agreed in writing between the Company and
the Trustee for all services rendered by it under this Indenture (which compensation shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust); </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">except as otherwise expressly provided in this Indenture, to reimburse the Trustee upon its request for all
reasonable expenses, disbursements, and advances incurred or made by the Trustee in accordance with any provision of this Indenture (including the reasonable compensation and the expenses and disbursements of its agents and counsel); and
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to indemnify, defend, and protect each of the Trustee and any predecessor Trustee and their officers, agents,
directors and employees for, and to hold them harmless against, any and all loss, damage, claim, liability, or expense, including fees and expenses of counsel and including taxes (other than taxes based upon, measured by or determined by the income
of the Trustee), incurred without gross negligence or willful misconduct on </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
their part as determined by a final, <FONT STYLE="white-space:nowrap">non-appealable</FONT> judgment of a court of competent jurisdiction, arising out of or in connection with the acceptance or
administration of the trust or trusts under this Indenture, including the costs and expenses of defending itself against any claim (whether asserted by the Company, or any Holder or any other Person) or liability in connection with the exercise or
performance of any of its powers or duties under this Indenture, or in connection with enforcing the provisions of this Section. The Trustee shall notify the Company promptly of any claim for which it may seek indemnity. Failure by the Trustee to so
notify the Company shall not relieve the Company of its obligations hereunder. The Company shall defend the claim by appointing counsel at its cost and expense.&nbsp;The Trustee may have its own additional, separate counsel at its sole cost and
expense, provided, however, that if counsel to Trustee reasonably determines that a conflict of interest exists or that Trustee has one or more defenses available separate from those of the Company, the fees and expenses of separate counsel for the
Trustee shall be paid for by the Company. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">To secure the Company&#146;s obligations under this Section, the Trustee shall
have a lien prior to the Securities upon all money or property held or collected by the Trustee in its capacity as Trustee, except for such money and property which is held in trust to pay principal (and premium, if any) or interest on particular
Securities, and the claims of the Trustee under this Section shall not be subject to the provisions of Article&nbsp;XIV; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">In addition to,
and without prejudice to its other rights under this Indenture, when the Trustee incurs any expenses or renders any services after the occurrence of an Event of Default specified in Section&nbsp;5.1(1) or (2), such expenses (including the fees and
expenses of its counsel) and the compensation for such services are intended to constitute expenses of administration under the United States Bankruptcy Code (Title 11 of the United States Code) or any similar Federal or State law for the relief of
debtors; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The provisions of this Section&nbsp;6.7 shall survive the satisfaction and discharge of the Indenture, the resignation or
removal of the Trustee and the termination for any reason of this Indenture. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">&#147;Trustee&#148; for purposes of this Section shall
include any predecessor Trustee; provided, however, that the negligence, willful misconduct or bad faith of any Trustee hereunder shall not affect the rights of any other Trustee hereunder. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.8.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Disqualification; Conflicting Interests</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Trustee has or shall acquire a conflicting interest within the meaning of Section&nbsp;310(b) of the Trust Indenture Act, the Trustee
shall either eliminate such interest or resign, to the extent and in the manner provided by, and subject to the provisions of, the Trust Indenture Act and this Indenture. For the purpose of the second paragraph of Section&nbsp;310(b) of the Trust
Indenture Act, the phrase &#147;default (as such term is defined in such indenture, but exclusive of any period of grace or requirement of notice)&#148; is hereby defined to mean any event which is, or after notice or lapse of time or both would
become, an Event of Default. To the extent permitted by the Trust Indenture Act, the Trustee shall not be deemed to have a conflicting interest by virtue of being a trustee under this Indenture with respect to Securities of more than one series.
</P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.9.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Corporate Trustee Required; Eligibility</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">There shall at all times be a Trustee under this Indenture which shall be a Person that is eligible pursuant to the Trust Indenture Act to act
as such and has a combined capital and surplus of at least $50,000,000. If such Person publishes reports of condition at least annually, pursuant to law or to the requirements of its supervising or examining authority, then for the purposes of this
Section (and to the extent permitted by the Trust Indenture Act), the combined capital and surplus of such Person shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. If at any time
the Trustee shall cease to be eligible in accordance with the provisions of this Section, it shall resign immediately in the manner and with the effect specified in this Article. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.10.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Resignation and Removal; Appointment of Successor</U>. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">No resignation or removal of the Trustee and no appointment of a successor Trustee pursuant to this Article
shall become effective until the acceptance of appointment by the successor Trustee in accordance with the applicable requirements of Section&nbsp;6.11. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Trustee may resign at any time with respect to the Securities of one or more series by giving written
notice of such resignation to the Company. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Trustee may be removed at any time with respect to the Securities of any series by Act of the Holders of a
majority in principal amount of the Outstanding Securities of such series, by not less than 30 days written notice, delivered to the Trustee and to the Company. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If at any time: </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall fail to comply with Section&nbsp;6.8 after written request for such compliance by the Company
or by any Holder who has been a bona fide Holder of a Security for at least six months, or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall cease to be eligible under Section&nbsp;6.9 and shall fail to resign after written request by
the Company or by any such Holder, or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Trustee shall become incapable of acting or shall be adjudged a bankrupt or insolvent or a receiver of the
Trustee or of its property shall be appointed or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation, or liquidation, </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">then, in any such case, (i)&nbsp;the Company by a Board Resolution may remove the Trustee with respect to all Securities, or (ii)&nbsp;subject
to Section&nbsp;5.14, any Holder who has been a bona fide Holder of a Security for at least six months may, on behalf of himself and all others similarly situated, petition any court of competent jurisdiction for the removal of the Trustee with
respect to all Securities and the appointment of a successor Trustee or Trustees. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(e)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If the instrument of acceptance by a successor Trustee required by Section&nbsp;6.11 shall not have been
delivered to the Trustee within 30 days after the giving of such notice of resignation or removal, the Trustee resigning or being removed (at the Company&#146;s expense) may petition any court of competent jurisdiction for the appointment of a
successor Trustee with respect to the Securities of such series. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(f)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If the Trustee shall resign, be removed, or become incapable of acting, or if a vacancy shall occur in the
office of Trustee for any cause, with respect to the Securities of one or more series, the Company, by a Board Resolution, shall promptly appoint a successor Trustee or Trustees with respect to the Securities of that or those series (it being
understood that any such successor Trustee may be appointed with respect to the Securities of one or more or all of such series and that at any time there shall be only one Trustee with respect to the Securities of any particular series) and shall
comply with the applicable requirements of Section&nbsp;6.11. If, within one year after such resignation, removal, or incapability, or the occurrence of such vacancy, a successor Trustee with respect to the Securities of any series shall be
appointed by Act of the Holders of a majority in principal amount of the Outstanding Securities of such series delivered to the Company and the retiring Trustee, the successor Trustee so appointed shall, immediately upon its acceptance of such
appointment in accordance with the applicable requirements of Section&nbsp;6.11, become the successor Trustee with respect to the Securities of such series and to that extent supersede the successor Trustee appointed by the Company. If no successor
Trustee with respect to the Securities of any series shall have been so appointed by the Company or the Holders and accepted appointment in the manner required by Section&nbsp;6.11, any Holder who has been a bona fide Holder of a Security of such
series for at least six months may, on behalf of himself and all others similarly situated, petition any court of competent jurisdiction for the appointment of a successor Trustee with respect to the Securities of such series. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(g)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall give notice of each resignation and each removal of the Trustee with respect to the
Securities of any series and each appointment of a successor Trustee with respect to the Securities of any series to all Holders of Securities of such series in the manner provided in Section&nbsp;1.6. Each notice shall include the name of the
successor Trustee with respect to the Securities of such series and the address of its Corporate Trust Office. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.11.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Acceptance of Appointment by Successor</U>. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">In case of the appointment of a successor Trustee under this Indenture with respect to all Securities, every
such successor Trustee so appointed shall execute, acknowledge, and deliver to the Company and to the retiring Trustee an instrument accepting such appointment. Upon such delivery, the resignation or removal of the retiring Trustee shall become
effective and such successor Trustee, without any further act, deed, or </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
conveyance, shall become vested with all the rights, powers, trusts, and duties of the retiring Trustee; but, on the request of the Company or the successor Trustee, such retiring Trustee shall,
upon payment of its charges and all other amounts payable to it hereunder, execute and deliver an instrument transferring to such successor Trustee all the rights, powers, and trusts of the retiring Trustee and shall duly assign, transfer, and
deliver to such successor Trustee all property and money held by such retiring Trustee under this Indenture, subject nevertheless to its lien provided for in Section&nbsp;6.7. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">In case of the appointment under this Indenture of a successor Trustee with respect to the Securities of one or
more (but not all) series, the Company, the retiring Trustee, and each successor Trustee with respect to the Securities of one or more series shall execute and deliver a supplemental indenture wherein each successor Trustee shall accept such
appointment and which (1)&nbsp;shall contain such provisions as shall be necessary or desirable to transfer and confirm to, and to vest in, each successor Trustee all the rights, powers, trusts, and duties of the retiring Trustee with respect to the
Securities of that or those series to which the appointment of such successor Trustee relates, (2)&nbsp;if the retiring Trustee is not retiring with respect to the Securities of all series, shall contain such provisions as shall be deemed necessary
or desirable to confirm that all the rights, powers, trusts, and duties of the retiring Trustee with respect to the Securities of that or those series as to which the retiring Trustee is not retiring shall continue to be vested in the retiring
Trustee, and (3)&nbsp;shall add to or change any of the provisions of this Indenture as shall be necessary to provide for or facilitate the administration of the trusts under this Indenture by more than one Trustee, it being understood that nothing
in this Indenture or in such supplemental indenture shall constitute such Trustees cotrustees of the same trust and that each such Trustee shall be trustee of a trust or trusts under this Indenture separate and apart from any trust or trusts under
this Indenture administered by any other such Trustee; and, upon the execution and delivery of such supplemental indenture, the resignation or removal of the retiring Trustee shall become effective to the extent provided in such supplemental
indenture and each such successor Trustee, without any further act, deed, or conveyance, shall become vested with all the rights, powers, trusts, and duties of the retiring Trustee with respect to the Securities of that or those series to which the
appointment of such successor Trustee relates; and such retiring Trustee shall duly assign, transfer, and deliver to such successor Trustee all property and money held by such retiring Trustee under this Indenture with respect to the Securities of
that or those series to which the appointment of such successor Trustee relates, subject nevertheless to its lien provided for in Section&nbsp;6.7. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Upon request of any such successor Trustee, the Company shall execute any and all instruments for more fully
and certainly vesting in and confirming to such successor Trustee all such rights, powers, and trusts referred to in paragraph (a)&nbsp;and (b) of this Section, as the case may be. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">No successor Trustee shall accept its appointment unless at the time of such acceptance such successor Trustee
shall be qualified and eligible under this Article. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.12.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Merger, Conversion, Consolidation, or Succession to Business</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any Person into which the Trustee may be merged or converted or with which it may be consolidated, or any Person resulting from any merger,
conversion, or consolidation to which the Trustee shall be a party, or any Person succeeding to all or substantially all the corporate trust business of the Trustee, shall be the successor of the Trustee under this Indenture, provided such Person
shall be otherwise qualified and eligible under this Article, without the execution or filing of any paper or any further act on the part of any of the parties to this Indenture. In case any Securities shall have been authenticated, but not
delivered, by the Trustee then in office, any successor by merger, conversion, or consolidation to such authenticating Trustee may adopt such authentication and deliver the Securities so authenticated with the same effect as if such successor
Trustee had itself authenticated such Securities. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.13.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Preferential Collection of Claims Against Company</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If and when the Trustee shall be or become a creditor of the Company or any other obligor upon the Securities (other than by reason of a
relationship described in Section&nbsp;311(b) of the Trust Indenture Act), the Trustee shall be </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
subject to the provisions of the Trust Indenture Act regarding the collection of claims against the Company or any such other obligor. For purposes of Section&nbsp;311(b) of the Trust Indenture
Act: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) the term <B>&#147;</B>cash transaction<B>&#148;</B> means any transaction in which full payment for goods or securities sold is
made within seven days after delivery of the goods or securities in currency or in checks or other orders drawn upon banks or bankers and payable upon demand; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) the term <B>&#147;</B>self-liquidating paper<B>&#148;</B> means any draft, bill of exchange, acceptance or obligation which is made,
drawn, negotiated or incurred by the Company or such obligor for the purpose of financing the purchase, processing, manufacturing, shipment, storage or sale of goods, wares or merchandise and which is secured by documents evidencing title to,
possession of, or a lien upon, the goods, wares or merchandise or the receivables or proceeds arising from the sale of the goods, wares or merchandise previously constituting the security, provided the security is received by the Trustee
simultaneously with the creation of the creditor relationship with the Company or such obligor arising from the making, drawing, negotiating or incurring of the draft, bill of exchange, acceptance or obligation. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;6.14.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Appointment of Authenticating Agent</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee may appoint an Authenticating Agent or Agents (which may be an affiliate of the Company) with respect to one or more series of
Securities which shall be authorized to act of behalf of the Trustee to authenticate Securities of such series issued upon original issue and upon exchange, registration of transfer, or partial redemption or conversion, or pursuant to
Section&nbsp;3.6, and Securities so authenticated shall be entitled to the benefits of this Indenture and shall be valid and obligatory for all purposes as if authenticated by the Trustee. Wherever reference is made in this Indenture to the
authentication and delivery of Securities by the Trustee or the Trustee&#146;s certificate of authentication, such reference shall be deemed to include authentication and delivery on behalf of the Trustee by an Authenticating Agent and a certificate
of authentication executed on behalf of the Trustee by an Authenticating Agent. Each Authenticating Agent shall be acceptable to the Company and shall at all times be a corporation organized and doing business under the laws of the United States of
America, any of its states, or the District of Columbia, authorized under such laws to act as Authenticating Agent, having a combined capital and surplus of not less than $50,000,000 and subject to supervision or examination by federal or state
authority. If such Authenticating Agent publishes reports of condition at least annually, pursuant to law or to the requirements of the supervising or examining authority, then for the purposes of this Section, the combined capital and surplus of
such Authenticating Agent shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. If at any time an Authenticating Agent shall cease to be eligible in accordance with the provisions of
this Section, such authenticating Agent shall resign immediately in the manner and with the effect specified in this Section. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any Person
into which an Authenticating Agent may be merged or converted or with which it may be consolidated, or any Person resulting from any merger, conversion, or consolidation to which such Authenticating Agent shall be a party, or any Person succeeding
to the corporate agency or corporate trust business of an Authenticating Agent, shall continue to be an Authenticating Agent, provided such Person shall be otherwise eligible under this Section, without the execution or filing of any paper or any
further act on the part of the Trustee or the Authenticating Agent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">An Authenticating Agent may resign at any time by giving written
notice to the Trustee and to the Company. The Trustee may at any time terminate the agency of an Authenticating Agent by giving written notice to such Authenticating Agent and to the Company. Upon receiving such a notice of resignation or upon such
a termination, or in case at any time such Authenticating Agent shall cease to be eligible in accordance with the provisions of this Section, the Trustee may appoint a successor Authenticating Agent which shall be acceptable to the Company and shall
mail written notice of such appointment by first-class mail, postage prepaid, to all Holders of Securities of the series with respect to which such Authenticating Agent will serve, as their names and addresses appear in the Security Register. Any
successor Authenticating Agent upon acceptance of its appointment under this Indenture shall become vested with all the rights, powers, and duties of its predecessor, with like effect as if originally named as an Authenticating Agent. No successor
Authenticating Agent shall be appointed unless eligible under the provisions of this Section. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company agrees to pay to each Authenticating Agent from time to time reasonable
compensation for its services under this Section. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If an appointment with respect to one or more series is made pursuant to this Section,
the Securities of such series may have endorsed on it, in addition to the Trustee&#146;s certificate of authentication, an alternative certificate of authentication in the following form: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This is one of the Securities of the series designated therein referred to in the within-mentioned Indenture. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="6%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">U.S. BANK NATIONAL ASSOCIATION, as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">As Authenticating Agent</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Authorized Officer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Holder&#146;s Lists and Reports by Trustee and Company </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;7.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Company to Furnish Trustee Names and Addresses of Holders</U>.<U> </U> </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will furnish or cause to be furnished to the Trustee: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">semi-annually, not later than June&nbsp;30 and December&nbsp;31 in each year, a list for each series, in such
form as the Trustee may reasonably require, of the names and addresses of the Holders of Securities of such series as of the preceding June&nbsp;15 or December&nbsp;15, as the case may be, and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">at such other times as the Trustee may request in writing, within 30 days after the receipt by the Company of
any such request, a list of similar form and content as of a date not more than 15 days prior to the time such list is furnished; </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>provided</U>, that if and so long as the Trustee shall be the Security Registrar for such series, such lists shall not be required to be furnished. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;7.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Preservation of Information; Communications to Holders</U>. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Trustee shall preserve, in as current a form as is reasonably practicable, the names and addresses of
Holders contained in the most recent list furnished to the Trustee as provided in Section&nbsp;7.1 and the names and addresses of Holders received by the Trustee in its capacity as Security Registrar. The Trustee may dispose of as it deems fit any
list furnished to it as provided in Section&nbsp;7.1 upon receipt of a new list so furnished. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The rights of Holders to communicate with other Holders with respect to their rights under this Indenture or
under the Securities, and the corresponding rights and privileges of the Trustee, shall be as provided by the Trust Indenture Act. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Every Holder of Securities, by receiving and holding the same, agrees with the Company and the Trustee that
neither the Company nor the Trustee nor any agent of either of them shall be held accountable by reason of any disclosure of information as to names and addresses of Holders made pursuant to the Trust Indenture Act. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;7.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Reports by Trustee</U>. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Trustee shall transmit to Holders such reports concerning the Trustee and its actions under this Indenture
as may be required pursuant to the Trust Indenture Act at the times and in the manner provided pursuant to the Trust Indenture Act. To the extent that any such report is required by the
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
Trust Indenture Act with respect to any <FONT STYLE="white-space:nowrap">12-month</FONT> period, such report shall cover the <FONT STYLE="white-space:nowrap">12-month</FONT> period ending
May&nbsp;15 and shall be transmitted (in accordance with the Trust Indenture Act) by the next succeeding July&nbsp;15. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of each such report shall, at the time of such transmission to Holders, be filed by the Trustee with
each stock exchange upon which any Securities are listed, with the Commission, and with the Company. The Company will promptly notify the Trustee when any Securities are listed on any stock exchange. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;7.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Reports by Company</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall file with the Trustee and the Commission, and transmit to Holders, such information, documents, and other reports, and such
summaries, as may be required pursuant to the Trust Indenture Act at the times and in the manner provided pursuant to such Trust Indenture Act; <U>provided</U> that with respect to any such information, documents, or reports required to be filed
with the Commission pursuant to Section&nbsp;13 or 15(d) of the Exchange Act, the Company intends to file such information, documents or reports with the Commission in electronic form in accordance with Regulation
<FONT STYLE="white-space:nowrap">S-T</FONT> of the Commission using the Commission&#146;s Electronic Data Gathering, Analysis and Retrieval system. Compliance with the foregoing, or any successor electronic system approved by the Commission, will
constitute delivery by the Company of such reports to the Trustee and holders in compliance with the Trust Indenture Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Delivery of
such reports, information, and documents to the Trustee is for informational purposes only and the Trustee&#146;s receipt of such shall not constitute actual or constructive knowledge or notice of any information contained therein or determinable
from information contained therein, including the Company&#146;s compliance with any of its covenants hereunder (as to which the Trustee shall be entitled to rely exclusively on Officers&#146; Certificates). </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VIII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consolidation, Merger, Conveyance, Transfer or Lease </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;8.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Company May Consolidate, Etc., Only on Certain Terms</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall not consolidate with or merge into any other Person or convey, transfer, or lease its properties and assets substantially as
an entirety to any Person, and the Company shall not permit any Person to consolidate with or merge into the Company or convey, transfer, or lease its properties and assets substantially as an entirety to the Company, unless: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">in case the Company shall consolidate with or merge into another Person or convey, transfer, or lease its
properties and assets substantially as an entirety to any Person, the Person formed by such consolidation or into which the Company is merged (or, alternatively, if such Person is the wholly owned subsidiary of another Person, such other Person) or
the Person which acquires by conveyance or transfer, or which leases, the properties and assets of the Company substantially as an entirety shall be a corporation, shall be organized and validly existing under the laws of the United States of
America, any of its states or the District of Columbia, and shall expressly assume, by a supplemental indenture, executed and delivered to the Trustee, in form satisfactory to the Trustee, the due and punctual payment of the principal of and any
premium and interest on all the Securities and the performance or observance of every covenant of this Indenture on the part of the Company to be performed or observed; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">immediately after giving effect to such transaction and treating any indebtedness which becomes an obligation
of the Company or a Subsidiary as a result of such transaction as having been incurred by the Company or such Subsidiary at the time of such transaction, no Event of Default, and no event which, after notice or lapse of time or both, would become an
Event of Default, shall have happened and be continuing; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Company has delivered to the Trustee an Officers&#146; Certificate and an Opinion of Counsel, each stating
that such consolidation, merger, conveyance, transfer, or lease and, if a supplemental indenture is required in connection with such transaction, such supplemental indenture, comply with this Article and that all conditions precedent in this
Indenture provided for relating to such transaction have been complied with. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;8.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Successor Substituted</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon any consolidation of the Company with, or merger of the Company into, any other Person or any conveyance, transfer, or lease of the
properties and assets of the Company substantially as an entirety in accordance with Section&nbsp;8.1, the successor Person formed by such consolidation or into which the Company is merged (or, alternatively, if such Person is the wholly owned
subsidiary of another Person, such other Person) or to which such conveyance, transfer, or lease is made shall succeed to, and be substituted for, and may exercise every right and power of, the Company under this Indenture with the same effect as if
such successor Person had been named as the Company in this Indenture, and thereafter, except in the case of a lease, the predecessor Person shall be relieved of all obligations and covenants under this Indenture and the Securities. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IX </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Supplemental
Indentures </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;9.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Supplemental Indentures Without Consent of Holders</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Without the consent of any Holders, the Company, when authorized by a Board Resolution, and the Trustee, at any time and from time to time, may
enter into one or more supplemental indentures, in form satisfactory to the Trustee, for any of the following purposes: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to evidence the succession of another Person to the Company and the assumption by any such successor of the
covenants of the Company in this Indenture and in the Securities; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to add to the covenants of the Company for the benefit of the Holders of all or any series of Securities (and
if such covenants are to be for the benefit of less than all series of Securities, stating that such covenants are expressly being included solely for the benefit of such series) or to surrender any right or power conferred in this Indenture upon
the Company; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to add any additional Events of Default for the benefit of the Holders of all or any series of Securities (and
if such additional Events of Default are to be for the benefit of less than all series of Securities, stating that such additional Events of Default are expressly being included solely for the benefit of such series); or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to add to or change any of the provisions of this Indenture to such extent as shall be necessary to permit or
facilitate the issuance of Securities in bearer form, registrable or not registrable as to principal, and with or without interest coupons, or to permit or facilitate the issuance of Securities in uncertificated form; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to add to, change, or eliminate any of the provisions of this Indenture in respect of one or more series of
Securities, <U>provided</U> that any such addition, change, or elimination (i)&nbsp;shall neither (A)&nbsp;apply to any Security of any series created prior to the execution of such supplemental indenture and entitled to the benefit of such
provision nor (B)&nbsp;modify the rights of the Holder of any such Security with respect to such provision or (ii)&nbsp;shall become effective only when there is no such Security Outstanding; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to secure the Securities; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to establish the form or forms or terms of Securities of any series as permitted by Sections 2.1 and 3.1; or
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to evidence and provide for the acceptance of appointment under this Indenture by a successor Trustee with
respect to the Securities of one or more series and to add to or change any of the provisions of this Indenture as shall be necessary to provide for or facilitate the administration of the trusts under this Indenture by more than one Trustee,
pursuant to the requirements of Section&nbsp;6.11(b); or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to comply with any requirements of the Commission in connection with qualifying this Indenture under the Trust
Indenture Act; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(10)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to cure any ambiguity, mistake, defect or inconsistency; or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(11)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">to make any change, <U>provided</U> that such change shall not adversely affect the interests of the Holders of
Securities of any series in any material respect. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;9.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Supplemental Indentures With Consent of Holders</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With the consent of the Holders of not less than a majority in principal amount of the Outstanding Securities of each series affected by such
supplemental indenture, by Act of such Holders delivered to the Company and the Trustee, the Company, when authorized by a Board Resolution, and the Trustee may enter into a supplemental indenture or indentures for the purpose of adding any
provisions to or changing in any manner or eliminating any of the provisions of this Indenture or of modifying in any manner the rights of the Holders of Securities of such series under this Indenture; <U>provided</U>, <U>however</U>, that no such
supplemental indenture entered into pursuant to this Section&nbsp;9.2 shall, without the consent of the Holder of each Outstanding Security affected by such supplemental indenture, </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">change the Stated Maturity of the principal of, or any installment of principal of or interest on, any
Security, or reduce its principal amount or rate of interest or any premium payable upon its redemption, or reduce the amount of the principal of an Original Issue Discount Security or any other Security that would be due and payable upon a
declaration of acceleration of its Maturity pursuant to Section&nbsp;5.2, or adversely affect any right of repayment at the option of the Holder of any Security, or change any Place of Payment where any Security or any premium or interest is
payable, or impair the right to institute suit for the enforcement of any such payment on or after its Stated Maturity (or, in the case of redemption, on or after the Redemption Date), or modify the provisions of this Indenture with respect to the
subordination of the Securities in a manner adverse to the Holders, or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">reduce the percentage in principal amount of the Outstanding Securities of any series, the consent of whose
Holders is required for any such supplemental indenture, or the consent of whose Holders is required for any waiver of compliance with the provisions of or defaults under this Indenture and their consequences provided for in this Indenture, or
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">modify any of the provisions of this Section, Section&nbsp;5.13, or Section&nbsp;10.8, except to increase any
such percentage or to provide that certain other provisions of this Indenture cannot be modified or waived without the consent of the Holder of each affected Outstanding Security, <U>provided</U>, <U>however</U>, that this clause shall not be deemed
to require the consent of any Holder with respect to changes in the references to &#147;the Trustee&#148; and concomitant changes in this Section, or the deletion of this proviso, in accordance with the requirements of Section&nbsp;6.11(b) and
9.1(8). </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">A supplemental indenture which changes or eliminates any covenant or other provision of this Indenture which has
expressly been included solely for the benefit of one or more particular series of Securities, or which modifies the rights of the Holders of Securities of such series with respect to such covenant or other provision, shall be deemed not to affect
the rights under this Indenture of the Holders of Securities of any other series. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">It shall not be necessary for any Act of Holders under
this Section to approve the particular form of any proposed supplemental indenture, but it shall be sufficient if such Act shall approve the substance of such supplemental indenture. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;9.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Execution of Supplemental Indentures</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In executing, or accepting the additional trusts created by, any supplemental indenture permitted by this Article or the modifications of the
trusts created by this Indenture, the Trustee shall be entitled to receive in addition to the documents required by Section&nbsp;1.2, and (subject to Section&nbsp;6.1) shall be fully protected in relying upon, an Officers&#146; Certificate and an
Opinion of Counsel stating that the execution of such supplemental indenture is authorized or permitted by this Indenture. The Trustee may, but shall not be obligated to, enter into any such supplemental indenture which affects the Trustee&#146;s
own rights, duties, liabilities or immunities under this Indenture or otherwise. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;9.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Effect of Supplemental Indentures</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon the execution of any supplemental indenture under this Article, this Indenture shall be modified in accordance with such supplemental
indenture, and such supplemental indenture shall form a part of this Indenture for all purposes; and every Holder of Securities previously or subsequently authenticated and delivered under this Indenture shall be bound by such supplemental
indenture. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;9.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Conformity With Trust Indenture Act</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Every supplemental indenture executed pursuant to this Article shall conform to the requirements of the Trust Indenture Act. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;9.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Reference in Securities to Supplemental Indentures</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Securities of any series authenticated and delivered after the execution of any supplemental indenture pursuant to this Article may, and shall
if required by the Company, bear a notation in form approved by the Company as to any matter provided for in such supplemental indenture. If the Company shall so determine, new Securities of any series so modified as to conform, in the opinion of
the Trustee and the Company, to any such supplemental indenture may be prepared and executed by the Company and authenticated and delivered by the Trustee in exchange for Outstanding Securities of such series. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;9.7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Notice of Supplemental Indentures</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">After any supplemental indenture under this Article becomes effective, the Company may give to the Holders of Securities, in the manner
referred to in Section&nbsp;1.6, a notice briefly describing such supplemental indenture; provided, however, that the failure to give such notice to all Holders of Securities, or any defect therein, shall not impair or affect the validity of such
supplemental indenture. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE X </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Covenants </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Payment of Principal, Premium, and Interest</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company covenants and agrees for the benefit of each series of Securities that it will duly and punctually pay the principal of and any
premium and interest on the Securities of that series in accordance with the terms of the Securities and this Indenture. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Maintenance of Office or Agency</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will maintain in each Place of Payment for any series of Securities an office or agency where Securities of that series may be
presented or surrendered for payment, where Securities of that series may be surrendered for registration of transfer or exchange, and where notices and demands to or upon the Company in respect of the Securities of that series and this Indenture
may be served. The Company will give prompt written notice to the Trustee of the location, and any change in the location, of such office or agency. If at any time the Company shall fail to maintain any such required office or agency or shall fail
to furnish the Trustee with its address, such presentations, surrenders, notices, and demands may be made or served at the Corporate Trust Office of the Trustee, and the Company appoints the Trustee as its agent to receive all such presentations,
surrenders, notices, and demands. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company may also from time to time designate one or more other offices or agencies where the
Securities of one or more series may be presented or surrendered for any or all such purposes and may from time to time rescind such designations; <U>provided</U>, <U>however</U>, that no such designation or rescission shall in any manner relieve
the Company of its obligation to maintain an office or agency in each Place of Payment for Securities of any series for such purposes. The Company will give prompt written notice to the Trustee of any such designation or rescission and of any change
in the location of any such other office or agency. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Money for Securities Payments to Be Held in Trust</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Company shall at any time act as its own Paying Agent with respect to any series of Securities, it will, on or before each due date of
the principal of or any premium or interest on any of the Securities of that series, segregate and hold in trust for the benefit of the Persons entitled to such principal, premium, or interest a sum sufficient to pay the principal and any premium
and interest so becoming due until such sums shall be paid to such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">35 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Persons or otherwise disposed of as provided in this Indenture and will promptly notify the Trustee of its action or failure to act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Whenever the Company shall have one or more Paying Agents for any series of Securities, it will, prior to each due date of the principal of or
any premium or interest on any Securities of that series, deposit with a Paying Agent a sum sufficient to pay such amount, such sum to be held as provided by the Trust Indenture Act, and (unless such Paying Agent is the Trustee) the Company will
promptly notify the Trustee in writing of its action or failure to act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will cause each Paying Agent for any series of
Securities other than the Trustee to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee, subject to the provisions of this Section, that such Paying Agent will (i)&nbsp;comply with the provisions
of the Trust Indenture Act applicable to it as a Paying Agent and (ii)&nbsp;during the continuance of any default by the Company (or any other obligor upon the Securities of that series) in the making of any payment in respect of the Securities of
that series, and upon the written request of the Trustee, immediately pay to the Trustee all sums held in trust by such Paying Agent for payment in respect of the Securities of that series. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company may at any time, for the purpose of obtaining the satisfaction and discharge of this Indenture or for any other purpose, pay, or
by Company Order direct any Paying Agent to pay, to the Trustee all sums held in trust by the Company or such Paying Agent, such sums to be held by the Trustee upon the same trusts as those upon which such sums were held by the Company or such
Paying Agent; and, upon such payment by any Paying Agent to the Trustee, such Paying Agent shall be released from all further liability with respect to such money. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to applicable abandoned property laws, any money deposited with the Trustee or any Paying Agent, or then held by the Company, in trust
for the payment of the principal of or any premium or interest on any Security of any series and remaining unclaimed for two years after such principal, premium, or interest has become due and payable shall be paid to the Company on Company Request,
or (if then held by the Company) shall be discharged from such trust; and the Holder of such Security shall thereafter, as an unsecured general creditor, look only to the Company for payment, and all liability of the Trustee or such Paying Agent
with respect to such trust money, and all liability of the Company as trustee, shall cease at such time. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Statement by Officers as to Default</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will deliver to the Trustee, within 120&nbsp;days after the end of each fiscal year of the Company ending after the date of this
Indenture, an Officers&#146; Certificate (one of the signers of which shall be the principal executive officer, principal financial officer, or principal accounting officer of the Company), stating whether or not, to the best knowledge of the
signers, the Company is in default in the performance and observance of any of the terms, provisions, and conditions of this Indenture (without regard to any period of grace or requirement of notice provided under this Indenture) and, if the Company
shall be in default, specifying all such defaults and their nature and status of which they may have knowledge. The Company will deliver to the Trustee written notice of the occurrence of any Event of Default or default (which word has the meaning
of the word &#147;default&#148; as used in Section&nbsp;6.2), within ten (10)&nbsp;Business Days of the Company becoming aware of any such Event of Default or default and setting forth the detail of such Event of Default or default and the action
the Company proposes to take with respect thereto. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Existence</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to Article&nbsp;VIII, the Company will do or cause to be done all things necessary to preserve and keep in full force and effect its
existence, rights (charter and statutory), and franchises; <U>provided</U>, <U>however</U>, that the Company shall not be required to preserve any such right or franchise if the Board of Directors shall determine that its preservation is no longer
desirable in the conduct of the business of the Company and that its loss is not disadvantageous in any material respect to the Holders. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Maintenance of Properties</U>. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will cause all material properties used or useful in the conduct of its business
or the business of any Subsidiary to be maintained and kept in good condition, repair, and working order and supplied with all necessary equipment and will cause to be made all necessary repairs, renewals, replacements, betterments, and
improvements, all as in the judgment of the Company may be necessary so that the business carried on by it may be properly and advantageously conducted at all times; <U>provided</U>, <U>however</U>, that nothing in this Section shall prevent the
Company from discontinuing the operation or maintenance of any of such properties if such discontinuance is, in the judgment of the Company, desirable in the conduct of its business or the business of any Subsidiary and not disadvantageous in any
material respect to the Holders. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Payment of Taxes and Other Claims</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will pay or discharge or cause to be paid or discharged, before the same shall become delinquent, (1)&nbsp;all taxes, assessments,
and governmental charges levied or imposed upon the Company or any Subsidiary or upon the income, profits, or property of the Company or any Subsidiary, and (2)&nbsp;all lawful claims for labor, materials, and supplies which, if unpaid, might by law
become a lien upon the property of the Company or any Subsidiary; <U>provided</U>, <U>however</U>, that the Company shall not be required to pay or discharge or cause to be paid or discharged any such tax, assessment, charge, or claim whose amount,
applicability, or validity is being contested in good faith by appropriate proceedings and for which adequate provision is made. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.8.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Waiver of Certain Covenants</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company may, with respect to the Securities of any series, omit in any particular instance to comply with any term, provision, or condition
set forth in Sections&nbsp;10.5 to 10.7 (excluding Section&nbsp;10.7(1)), or in any covenant provided pursuant to Section&nbsp;3.1(16) or 9.1(2) for the benefit of the Holders of such series, if before the time for such compliance the Holders of a
majority in principal amount of the Outstanding Securities of such series shall, by Act of such Holders, either waive such compliance in such instance or generally waive compliance with such term, provision, or condition, but no such waiver shall
extend to or affect such term, provision, or condition except to the extent so expressly waived, and, until such waiver shall become effective, the obligations of the Company and the duties of the Trustee in respect of any such term, provision, or
condition shall remain in full force and effect. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.9.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Calculation of Original Issue Discount</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Company has Outstanding any Original Issue Discount Securities, the Company shall file with the Trustee promptly at the end of each
calendar year (i)&nbsp;a written notice specifying the amount of original issue discount (including daily rates and accrual periods) accrued on Outstanding Securities as of the end of such year and (ii)&nbsp;such other specific information relating
to such original issue discount as may be required to be provided to the Trustee, any Paying Agent or the holders of the Notes pursuant to the Internal Revenue Code of 1986, as amended, and the regulations issued thereunder. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;10.10.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Tax Payment and Tax Withholding Obligations</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In order to enable the Trustee and any other Paying Agent to comply with any tax payment or tax withholding obligation or obligations imposed
on it or them by virtue of applicable law in connection with any payment made by it or them to Holders pursuant to any of the provisions of this Indenture, the Company hereby agrees that, upon receipt of a request from time to time from the Trustee
or such Paying Agent, the Company will provide to the Trustee and such Paying Agent promptly a notice in writing as to whether and to what extent, together with any and all information necessary to enable the Trustee and such Paying Agent to
determine whether and to what extent, any such tax payment or tax withholding obligation or obligations shall apply, and, if any do so apply, the amount and other relevant details of such tax payment and/or tax withholding obligation or obligations.
In addition to and notwithstanding such agreement, the Trustee and any such Paying Agent shall have full right and warrant to withhold from any payment made by it or them pursuant to any of the provisions of this Indenture (if required to comply
with such tax payment or tax withholding obligation or obligations) and shall not be liable to any Person for so doing. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XI </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Redemption of Securities </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;11.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Applicability of Article</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Securities of any series which are redeemable before their Stated Maturity shall be redeemable in accordance with their terms and (except as
otherwise specified as contemplated by Section&nbsp;3.1 for Securities of any series) in accordance with this Article. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;11.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Election to Redeem; Notice to Trustee</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The election of the Company to redeem any Securities shall be evidenced by a Board Resolution or in another manner specified as contemplated by
Section&nbsp;3.1 for such Securities. In case of any redemption at the election of the Company, the Company shall, at least three Business Days before sending a notice of such redemption (unless a shorter notice shall be satisfactory to the
Trustee), notify the Trustee of such Redemption Date, of the principal amount of Securities of such series to be redeemed and, if applicable, of the tenor of the Securities to be redeemed. In the case of any redemption of Securities prior to the
expiration of any restriction on such redemption provided in the terms of such Securities or elsewhere in this Indenture, the Company shall furnish the Trustee with an Officers&#146; Certificate evidencing compliance with such restriction. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;11.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Selection by Trustee of Securities to Be Redeemed</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If less than all the Securities of any series are to be redeemed (unless all of the Securities of such series and of a specified tenor are to
be redeemed or such series is comprised of a single Security), the particular Securities to be redeemed shall be selected not more than 60&nbsp;days prior to the Redemption Date by the Trustee, from the Outstanding Securities of such series not
previously called for redemption on a <I>pro rata</I> basis to the extent practicable, or if a <I>pro rata</I> basis is not practicable for any reason, by lot, and in any case in accordance with the Depositary&#146;s procedures, and which may
provide for the selection for redemption of portions (equal to the minimum authorized denomination for Securities of that series or any integral multiple of such denomination) of the principal amount of Securities of such series of a denomination
larger than the minimum authorized denomination for Securities of that series. If less than all of the Securities of such series and of a specified tenor are to be redeemed (unless such series is comprised of a single Security), the particular
Securities to be redeemed shall be selected not more than 60&nbsp;days prior to the Redemption Date by the Trustee, from the Outstanding Securities of such series and specified tenor not previously called for redemption in accordance with the
preceding sentence. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless all of the Securities of such series and of a specified tenor are to be redeemed or such series is comprised
of a single Security, the Trustee shall promptly notify the Company in writing of the Securities selected for redemption and, in the case of any Securities (other than Securities comprised of a single Security) selected for partial redemption, the
principal amount thereof to be redeemed. In the case of any such redemption in part, the unredeemed portion of the principal amount of the Security shall be in an authorized denomination (which shall not be less than the minimum authorized
denomination) of such Security. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For all purposes of this Indenture, unless the context otherwise requires, all provisions relating to the
redemption of Securities shall relate, in the case of any Securities redeemed or to be redeemed only in part, to the portion of the principal amount of such Securities which has been or is to be redeemed. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;11.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Notice of Redemption</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notice of redemption shall be given electronically by first-class mail, postage prepaid, mailed not less than 30 nor more than 60&nbsp;days
prior to the Redemption Date, to each Holder of Securities to be redeemed, at his address appearing in the Security Register. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All notices
of redemption shall identify the Securities to be redeemed and state: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Redemption Date, </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the Redemption Price and accrued interest, if any, </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">if less than all the Outstanding Securities of any series are to be redeemed, the identification (and, in the
case of partial redemption of any Securities, the principal amounts) of the particular Securities to be redeemed, and </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
that on or after the date fixed for redemption, upon surrender of such Security, a new Security or Securities of such series in authorized denominations for an aggregate principal amount equal to
the unredeemed portion will be issued, </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">that on the Redemption Date the Redemption Price and accrued interest, if any, will become due and payable upon
each such Security to be redeemed and that, unless the Company defaults in making such redemption payment, interest on such Security will cease to accrue on and after such date, </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the name and address of the Paying Agent, </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">that the redemption is for a sinking fund, if such is the case, </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the paragraph of the Securities and/or Section of this Indenture pursuant to which the Securities called for
redemption are being redeemed, and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">the &#147;CUSIP&#148;, &#147;ISIN&#148; or other similar numbers, if any, of the Securities to be redeemed and
that no representation is made as to the correctness or accuracy of any such CUSIP and ISIN number that is listed in such notice or printed on the Securities. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notice of redemption of Securities to be redeemed at the election of the Company shall be given by the Company or, at the Company&#146;s
request (delivered to the Trustee, together with an Officers&#146; Certificate requesting that the Trustee give such notice and setting forth the information to be stated in such notice, at least three Business Days prior to the date of the giving
of the notice of redemption (unless a shorter period shall be acceptable to the Trustee)), by the Trustee in the name and at the expense of the Company and shall be irrevocable. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;11.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Deposit of Redemption Price</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Prior to 10:00&nbsp;a.m., New York City time on the Redemption Date, the Company shall deposit with the Trustee or with a Paying Agent (or, if
the Company is acting as its own Paying Agent, segregate and hold in trust as provided in Section&nbsp;10.3) an amount of money sufficient to pay the Redemption Price of, and (except if the Redemption Date shall be an Interest Payment Date) accrued
interest on, all the Securities which are to be redeemed on that date. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;11.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Securities Payable on Redemption Date</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notice of redemption having been given in accordance with this Indenture, the Securities to be redeemed shall, on the Redemption Date, become
due and payable at the Redemption Price specified in the notice, and from and after such date (unless the Company shall default in the payment of the Redemption Price and accrued interest) such Securities shall cease to bear interest. Upon surrender
of any such Security for redemption in accordance with such notice, such Security shall be paid by the Company at the Redemption Price, together with accrued interest to the Redemption Date; <U>provided</U>, <U>however</U>, that, unless otherwise
specified as contemplated by Section&nbsp;3.1, installments of interest whose Stated Maturity is on or prior to the Redemption Date shall be payable to the Holders of such Securities, or one or more Predecessor Securities, registered as such at the
close of business on the relevant Record Dates according to their terms and the provisions of Section&nbsp;3.7. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any Security called
for redemption shall not be so paid upon surrender for redemption, the principal and any premium shall, until paid, bear interest from the Redemption Date at the rate prescribed in the Security. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;11.7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Securities Redeemed in Part</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any Security which is to be redeemed only in part shall be surrendered at a Place of Payment (with, if the Company or the Trustee so requires,
due endorsement by, or a written instrument of transfer in form satisfactory to the Company and the Trustee duly executed by, the Holder or his attorney duly authorized in writing), and the Company shall execute, and the Trustee shall authenticate
and deliver to the Holder of such Security without service charge, a new Security or Securities of the same series and of like tenor, of any authorized denomination as requested by such Holder, in aggregate principal amount equal to and in exchange
for the unredeemed portion of the principal of the Security so surrendered. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">39 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Sinking Funds </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;12.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Applicability of Article</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The provisions of this Article shall be applicable to any sinking fund for the retirement of Securities of a series except as otherwise
specified as contemplated by Section&nbsp;3.1 for Securities of such series. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The minimum amount of any sinking fund payment provided for
by the terms of Securities of any series is referred to in this Indenture as a &#147;mandatory sinking fund payment&#148;, and any payment in excess of such minimum amount provided for by the terms of Securities of any series is referred to in this
Indenture as an &#147;optional sinking fund payment&#148;. If provided for by the terms of Securities of any series, the cash amount of any sinking fund payment may be subject to reduction as provided in Section&nbsp;12.2. Each sinking fund payment
shall be applied to the redemption of Securities of any series as provided for by the terms of Securities of such series. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;12.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Satisfaction of Sinking Fund Payments with Securities</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company (1)&nbsp;may deliver Securities of a series (other than any previously called for redemption) and (2)&nbsp;may apply as a credit
Securities of a series which previously have been redeemed by the Company either at the election of the Company pursuant to the terms of such Securities or through the application of permitted optional sinking fund payments pursuant to the terms of
such Securities, or have been otherwise acquired by the Company as permitted by such Securities, in each case in satisfaction of all or any part of any sinking fund payment with respect to the Securities of such series required to be made pursuant
to the terms of such Securities as provided for by the terms of such series; <U>provided</U> that such Securities have not been previously so credited. Such Securities shall be received and credited for such purpose by the Trustee at the Redemption
Price specified in such Securities for redemption through operation of the sinking fund and the amount of such sinking fund payment shall be reduced accordingly. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;12.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Redemption of Securities for Sinking Fund</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Not less than 90&nbsp;days prior to each sinking fund payment date for any series of Securities, the Company will deliver to the Trustee an
Officers&#146; Certificate specifying the amount of the next ensuing sinking fund payment for that series pursuant to the terms of that series, the portion, if any, which is to be satisfied by payment of cash and the portion, if any, which is to be
satisfied by delivering and crediting Securities of that series pursuant to Section&nbsp;12.2 and the basis for such credit and will also deliver to the Trustee any Securities to be so delivered. Not less than 30&nbsp;days before each such sinking
fund payment date the Trustee shall select the Securities to be redeemed upon such sinking fund payment date in the manner specified in Section&nbsp;11.3 and cause notice of redemption to be given in the name of and at the expense of the Company in
the manner provided in Section&nbsp;11.4. Such notice having been duly given, the redemption of such Securities shall be made upon the terms and in the manner stated in Sections&nbsp;11.6 and 11.7. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XIII </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Defeasance
and Covenant Defeasance </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;13.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Applicability of Article; Company&#146;s Option to Effect Defeasance or Covenant Defeasance</U>.
</P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If, pursuant to Section&nbsp;3.1, provision is made for either or both of (a)&nbsp;Defeasance of the Securities of a
series under Section&nbsp;13.2 or (b)&nbsp;Covenant Defeasance of the Securities of a series under Section&nbsp;13.3, then the provisions of such Section or Sections, as the case may be, together with the other provisions of this Article&nbsp;XIII,
shall be applicable to the Securities of such series, and the Company may at its option by Board Resolution or in any other manner specified as contemplated by Section&nbsp;3.1, at any time, with respect to the Securities of such series, elect to
have either Section&nbsp;13.2 (if applicable) or Section&nbsp;13.3 (if applicable) be applied to the Outstanding Securities of such series upon compliance with the conditions set forth below in this Article&nbsp;XIII. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">40 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;13.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Defeasance and Discharge</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon the Company&#146;s exercise of the above option applicable to this Section, the Company shall be deemed to have been discharged from its
obligations with respect to the Outstanding Securities of such series on and after the date the conditions precedent set forth in Section&nbsp;13.3 are satisfied (&#147;Defeasance&#148;). For this purpose, such Defeasance means that the Company
shall be deemed to have paid and discharged the entire indebtedness represented by the Outstanding Securities of such series and to have satisfied all its other obligations under such Securities and this Indenture, insofar as such Securities are
concerned (and the Trustee, upon Company Order and at the expense of the Company, shall execute proper instruments acknowledging the same), except for the following which shall survive until otherwise terminated or discharged under this Indenture:
(A)&nbsp;the rights of Holders of Outstanding Securities of such series to receive, solely from the trust fund described in Section&nbsp;13.4 as more fully set forth in such Section, payments of the principal of (any premium, if any) and interest on
such Securities when such payments are due, (B)&nbsp;the Company&#146;s obligations with respect to such Securities under Sections&nbsp;3.4, 3.5, 3.6, 6.7, 10.2, and 10.3, and any ancillary obligations, (C)&nbsp;the rights, powers, trusts, duties,
immunities, and other provisions in respect of the Trustee under this Indenture, and (D)&nbsp;this Article&nbsp;XIII. Subject to compliance with this Article&nbsp;XIII, the Company may exercise its option under this Section&nbsp;13.2 notwithstanding
the prior exercise of its option under Section&nbsp;13.3 with respect to the Securities of such series. Following a Defeasance, payment of the Securities of such series may not be accelerated because of an Event of Default. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;13.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Covenant Defeasance</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon the Company&#146;s exercise of the above option applicable to this Section and after the date the conditions set forth below are satisfied
(&#147;Covenant Defeasance&#148;), (1)&nbsp;the Company shall be released from its obligations under any covenant applicable to such Securities that is determined pursuant to Section&nbsp;3.1 to be subject to this provision, and (2)&nbsp;the
occurrence of any event specified in Section&nbsp;5.1(1) or (2)&nbsp;or determined pursuant to Section&nbsp;3.1 to be subject to this provision shall not be deemed to be or result in an Event of Default. For this purpose, such Covenant Defeasance
means that, with respect to the Outstanding Securities of such series, the Company may omit to comply with and shall have no liability in respect of any term, condition, or limitation set forth in any such Section whether directly or indirectly by
reason of any reference elsewhere in this Indenture to any such Section or by reason of any reference in any such Section to any other provision in this Indenture or in any other document, but the remainder of this Indenture and such Securities
shall be unaffected by such Covenant Defeasance. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;13.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Conditions to Defeasance or Covenant Defeasance</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following shall be the conditions precedent to application of either Section&nbsp;13.2 or Section&nbsp;13.3 to the Outstanding Securities
of such series: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall irrevocably have deposited or caused to be deposited with the Trustee (or another trustee
which satisfies the requirements contemplated by Section&nbsp;6.9 and agrees to comply with the provisions of the Indenture applicable to it as if it were the Trustee under this Indenture), as trust funds in trust for the purpose of making the
following payments, and dedicated solely to, the benefit of the Holders of such Securities, (A)&nbsp;money in an amount, or (B)&nbsp;U.S. Government Obligations which through the scheduled payment of principal and interest in accordance with their
terms will provide, not later than one day before the due date of any payment, money in an amount, or (C)&nbsp;a combination of such money and U.S. Government Obligations, in each case sufficient, without reinvestment, in the opinion of a nationally
recognized firm of independent public accountants expressed in a written certification delivered to the Trustee, to pay and discharge, and which shall be applied by the Trustee (or any such other qualifying trustee as previously provided) to pay and
discharge, the principal of (and premium, if any) and interest on the Outstanding Securities of such series on the Maturity of such principal, any premium or interest, and any mandatory sinking fund payments or analogous payments applicable to the
Outstanding Securities of such series on their due dates. Before such a deposit, the Company may make arrangements satisfactory to the Trustee for the redemption of Securities at a future date or dates in accordance with Article XI, which shall be
given effect in applying the foregoing provisions. For this purpose, &#147;U.S. Government Obligations&#148; means securities that are (x)&nbsp;direct obligations of the United States of America for the payment of which its full faith and credit is
pledged, or (y)&nbsp;obligations of a Person controlled or supervised by and acting as an agency or instrumentality of the United States of America the payment of which is unconditionally guaranteed as a full faith and credit obligation by the
United States of America, which, in either case, are not callable or redeemable at the option of the issuer, and shall also include a depository receipt issued by a bank (as defined in Section&nbsp;3(a)(2) of the Securities Act of 1933,
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">41 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
as amended), which may include the Trustee, as custodian with respect to any such U.S. Government Obligation or a specific payment of principal of or interest on any such U.S. Government
Obligation held by such custodian for the account of the holder of such depository receipt, provided that (except as required by law) such custodian is not authorized to make any deduction from the amount payable to the holder of such depository
receipt from any amount received by the custodian in respect of the U.S. Government Obligation or the specific payment of principal of or interest on the U.S. Government Obligation evidenced by such depository receipt. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">No Event of Default or event which with notice or lapse of time or both would become an Event of Default with
respect to the Securities of such series shall have occurred and be continuing (A)&nbsp;on the date of such deposit or (B)&nbsp;insofar as subsections 5.1(1) and (2)&nbsp;are concerned, at any time during the period ending on the 120<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> day after the date of such deposit or, if longer, ending on the day following the expiration of the preference period applicable to the Company under federal law in respect of such deposit (it being
understood that the condition in this clause (B)&nbsp;shall not be deemed satisfied until the expiration of such period). </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Such Defeasance or Covenant Defeasance shall not (A)&nbsp;cause the Trustee in respect of the Securities of
such series to have a conflicting interest as defined in Section&nbsp;6.8 or for purposes of the Trust Indenture Act with respect to any Securities of the Company or (B)&nbsp;result in the trust arising from such deposit to constitute, unless it is
qualified as, a regulated investment company under the Investment Company Act of 1940, as amended. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Such Defeasance or Covenant Defeasance shall not result in a breach or violation of, or constitute a default
under, this Indenture or any other agreement or instrument to which the Company is a party or by which it is bound. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Such Defeasance or Covenant Defeasance shall not cause any Securities of such series then listed on any
registered national securities exchange under the Securities Exchange Act of 1934, as amended, to be delisted. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">In the case of an election under Section&nbsp;13.2, the Company shall have delivered to the Trustee an Opinion
of Counsel stating that (x)&nbsp;the Company has received from, or there has been published by, the Internal Revenue Service a ruling, or (y)&nbsp;since the date of this Indenture there has been a change in the applicable federal income tax law, in
either case to the effect that, and based on such ruling or change such opinion shall confirm that, the Holders of the Outstanding Securities of such series will not recognize income, gain, or loss for federal income tax purposes as a result of such
Defeasance and will be subject to federal income tax on the same amounts, in the same manner, and at the same times as would have been the case if such Defeasance had not occurred. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">In the case of an election under Section&nbsp;13.3, the Company shall have delivered to the Trustee an Opinion
of Counsel to the effect that the Holders of the Outstanding Securities of such series will not recognize income, gain, or loss for federal income tax purposes as a result of such Covenant Defeasance and will be subject to federal income tax on the
same amounts, in the same manner, and at the same times as would have been the case if such Covenant Defeasance had not occurred. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall have delivered to the Trustee an Opinion of Counsel to the effect that (subject to customary
qualifications and assumptions) after the period described in Section&nbsp;13.4(2), the trust funds will not be subject to the effect of any applicable bankruptcy, insolvency, reorganization, or similar laws affecting creditors&#146; rights
generally. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Such Defeasance or Covenant Defeasance shall be effected in compliance with any additional terms, conditions,
or limitations which may be imposed on the Company in connection with such Defeasance or Covenant Defeasance pursuant to Section&nbsp;3.1. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(10)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Company shall have delivered to the Trustee an Officers&#146; Certificate and an Opinion of Counsel, each
stating that all conditions precedent provided for in this Indenture relating to either the Defeasance under Section&nbsp;13.2 or the Covenant Defeasance under Section&nbsp;13.3 (as the case may be) have been complied with. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">42 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;13.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Deposited Money and U.S. Government Obligations to be Held in Trust; Other Miscellaneous Provisions</U>.
</P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the provisions of the last paragraph of Section&nbsp;10.3, all money and U.S. Government Obligations
(including any proceeds) deposited with the Trustee or other qualifying trustee (solely for purposes of this Section and Section&nbsp;13.6, the Trustee and any such other qualifying trustee are referred to collectively as the &#147;Trustee&#148;)
pursuant to Section&nbsp;13.4 in respect of the Outstanding Securities of such series shall be held in trust and applied by the Trustee, in accordance with the provisions of such Securities and this Indenture, to the payment, either directly or
through any Paying Agent (but not including the Company acting as its own Paying Agent) as the Trustee may determine, to the Holders of such Securities, of all sums due and to become due on such Securities in respect of principal (and premium, if
any) and interest, but such money need not be segregated from other funds except to the extent required by law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall pay and
indemnify the Trustee against any tax, fee, or other charge imposed on or assessed against the money or U.S. Government Obligations deposited pursuant to Section&nbsp;13.4 or the principal and interest received in respect of such money or U.S.
Government Obligations other than any such tax, fee, or other charge which by law is for the account of the Holders of Outstanding Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Anything in this Indenture to the contrary notwithstanding, the Trustee shall deliver or pay to the Company from time to time upon Company
Request any money or U.S. Government Obligations held by it as provided in Section&nbsp;13.4 which, in the opinion of a nationally recognized firm of independent public accountants expressed in a written certification delivered to the Trustee, are
in excess of the amount which would then be required to be deposited to effect an equivalent Defeasance or Covenant Defeasance. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;13.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Reinstatement</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Trustee or the Paying Agent is unable to apply any money or U.S. Government Obligations in accordance with Section&nbsp;13.5 by reason
of any order or judgment of any court or governmental authority enjoining, restraining, or otherwise prohibiting such application, then the Company&#146;s obligations under the Securities of such series shall be revived and reinstated as though no
deposit had occurred pursuant to this Article&nbsp;XIII until such time as the Trustee or Paying Agent is permitted to apply all such money and U.S. Government Obligations in accordance with Section&nbsp;13.5; <U>provided</U>, <U>however</U>, that
if the Company makes any payment of principal of (and premium, if any) or interest on any such Security following the reinstatement of its obligations, the Company shall be entitled, at its election, (a)&nbsp;to receive from the Trustee or Paying
Agent, as applicable, that portion of such money or U.S. Government Obligations held by the Trustee or the Paying Agent, as applicable, equal to the amount of such payment, or (b)&nbsp;to be subrogated to the rights of the Holders of such Securities
to receive such payment from the money and U.S. Government Obligations held by the Trustee or the Paying Agent. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XIV </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Subordination Of Securities </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Securities Subordinate to Senior Debt</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company covenants and agrees that anything in this Indenture or the Securities of any series to the contrary notwithstanding, the
indebtedness evidenced by the Securities of each series is subordinate and junior in right of payment to all Senior Debt to the extent provided in this Indenture, and each Holder of Securities of each series, by such Holder&#146;s acceptance of such
Securities, likewise covenants and agrees to the subordination provided in this Indenture and shall be bound by the provisions of this Indenture. Senior Debt shall continue to be Senior Debt and entitled to the benefits of these subordination
provisions irrespective of any amendment, modification, or waiver of any term of the Senior Debt or extension or renewal of the Senior Debt. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event of </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any insolvency, bankruptcy, receivership, liquidation, reorganization, readjustment, composition, or other
similar proceeding relating to the Company or its property, </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">43 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any proceeding for the liquidation, dissolution, or other winding up of the Company, voluntary or involuntary,
whether or not involving insolvency or bankruptcy proceedings, </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any assignment by the Company for the benefit of creditors, or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">any other marshaling of the assets of the Company, </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">all Senior Debt (including any interest on such Senior Debt accruing after the commencement of any such proceedings) shall first be paid in full before any
payment or distribution, whether in cash, securities, or other property, shall be made to any Holder of any of the Securities on account of such Securities. Any payment or distribution, whether in cash, securities, or other property (other than
securities of the Company or any other corporation provided for by a plan of reorganization or readjustment the payment of which is subordinate, at least to the extent provided in these subordination provisions with respect to the indebtedness
evidenced by the Securities, to the payment of all Senior Debt at the time outstanding and to any securities issued in respect of such Senior Debt under any such plan of reorganization or readjustment), which would otherwise (but for these
subordination provisions) be payable or deliverable in respect of the Securities of any series shall be paid or delivered directly to the holders of Senior Debt in accordance with the priorities then existing among such holders until all Senior Debt
(including any interest on such Senior Debt accruing after the commencement of any such proceedings) shall have been paid in full. In the event of any such proceeding, after payment in full of all sums owing with respect to Senior Debt, the Holders
of the Securities, together with the holders of any obligations of the Company ranking on a parity with the Securities, shall be entitled to be paid from the remaining assets of the Company the amounts at the time due and owing on account of unpaid
principal of (and premium, if any) and interest on the Securities and such other obligations before any payment or other distribution, whether in cash, property, or otherwise, shall be made on account of any capital stock or any obligations of the
Company ranking junior to the Securities and such other obligations. The rights of holders of Senior Debt under this Section do not extend to any payment or distribution, whether in cash, securities or other property, to the extent applied to the
Trustee&#146;s rights to compensation, reimbursement of expenses or indemnification. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that, notwithstanding the foregoing,
any payment or distribution of any character or any security, whether in cash, securities, or other property (other than securities of the Company or any other corporation provided for by a plan of reorganization or readjustment the payment of which
is subordinate, at least to the extent provided in these subordination provisions with respect to the indebtedness evidenced by the Securities, to the payment of all Senior Debt at the time outstanding and to any securities issued in respect of such
Senior Debt under any such plan of reorganization or readjustment), shall be received by the Trustee or any Holder in contravention of any of the terms of this Indenture such payment or distribution or security shall be received in trust for the
benefit of, and shall be paid over or delivered and transferred to, the holders of the Senior Debt at the time outstanding in accordance with the priorities then existing among such holders for applications to the payment of all Senior Debt
remaining unpaid to the extent necessary to pay all such Senior Debt in full. In the event of the failure of the Trustee or any Holder to endorse or assign any such payment, distribution, or security, each holder of Senior Debt is irrevocably
authorized to endorse or assign the same. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No present or future holder of any Senior Debt shall be prejudiced in the right to enforce
subordination of the indebtedness evidenced by the Securities by any act or failure to act on the part of the Company. Nothing contained in this Indenture shall impair, as between the Company and the Holders of Securities of each series, the
obligation of the Company to pay to such Holders the principal of (and premium, if any) and interest on such Securities or prevent the Trustee or the Holder from exercising all rights, powers and remedies otherwise permitted by applicable law or
under this Indenture upon a default or Event of Default, all subject to the rights of the holders of the Senior Debt to receive cash, securities, or other property otherwise payable or deliverable to the Holders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Senior Debt shall not be deemed to have been paid in full unless the holders thereof shall have received cash, securities, or other property
equal to the amount of such Senior Debt then outstanding. Upon the payment in full of all Senior Debt, the Holders of Securities of each series shall be subrogated to all rights of any holders of Senior Debt to receive any further payments or
distributions applicable to the Senior Debt until the indebtedness evidenced by the Securities of such series shall have been paid in full, and such payments or distributions received by such Holders, by reason of such subrogation, of cash,
securities, or other property which otherwise would be paid or distributed to the holders of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">44 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Senior Debt shall, as between the Company and its creditors other than the holders of Senior Debt, on the one hand, and such Holders, on the other hand, be deemed to be a payment by the Company
on account of Senior Debt, and not on account of the Securities of such series. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing or anything else in this
Article XIV contained, at any time after the 123rd day following the date of deposit of money and U.S. Government Obligations pursuant to Article IV or XIII (provided all conditions set out in the applicable Article shall have been satisfied), the
funds (including U.S. Government Obligations) so deposited and any interest thereon will not be subject to any rights of holders of Senior Debt including, without limitation, those arising under this Article XIV; provided that no event described in
clauses (1)&nbsp;and (2)&nbsp;of Section&nbsp;5.1 has occurred during such <FONT STYLE="white-space:nowrap">123-day</FONT> period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
provisions of this Section&nbsp;14.1 shall not impair any rights, interests, remedies, or powers of any secured creditor of the Company in respect of any security interest the creation of which is not prohibited by the provisions of this Indenture.
</P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>No Payment When Senior Debt in Default</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event and during the continuation of any default in the payment of the principal of or any premium or interest on any Senior Debt beyond
any applicable grace period with respect to such Senior Debt, or in the event that any event of default with respect to any Senior Debt shall have occurred and be continuing permitting the holders of such Senior Debt (or the trustee on behalf of the
holders of such Senior Debt) to declare such Senior Debt due and payable prior to the date on which it would otherwise have become due and payable, unless and until such event of default shall have been cured or waived or shall have ceased to exist
and any such declaration and its consequences shall have been rescinded or annulled, or (b)&nbsp;in the event any judicial proceeding shall be pending with respect to any such default in payment or event of default, then no payment (including any
payment which may be payable by reason of the payment of any other indebtedness of the Company being subordinated to the payment of the Securities) shall be made by the Company on account of the principal of or any premium or interest on the
Securities or on account of the purchase or other acquisition of Securities, <U>provided</U>, <U>however</U>, that nothing in this Section&nbsp;14.2 shall prevent the satisfaction of any sinking fund payment in accordance with Article&nbsp;XII by
delivering and crediting pursuant to Section&nbsp;12.2 Securities which have been acquired (upon redemption or otherwise) prior to such default in payment or event of default. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to Section&nbsp;14.5, in the event that, notwithstanding the foregoing, the Company shall make any payment to the Trustee or the
Holder of any Security prohibited by the foregoing provisions of this Section&nbsp;14.2, and if such fact shall, at or prior to the time of such payment, have been made known in a writing delivered to a Responsible Officer of the Trustee at the
Corporate Trust Office of the Trustee by a holder of Senior Debt or the Company or, as the case may be, such Holder, then and in such event such payment shall be paid over and delivered to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The provisions of this Section&nbsp;14.2 shall not apply to any payment with respect to which Section&nbsp;14.1 would be applicable. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Trustee and Holders of Securities May Rely on Certificate of Liquidating Agent; Trustee May Require Further
Evidence as to Ownership of Senior Debt; Trustee Not Fiduciary to Holders of Senior Debt</U>. </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon any payment or
distribution of assets of the Company referred to in this Article&nbsp;XIV, the Trustee and the Holders shall be entitled to conclusively rely upon an order or decree made by any court of competent jurisdiction in which such dissolution or winding
up or liquidation or reorganization or arrangement proceedings are pending or upon a certificate of the trustee in bankruptcy, receiver, assignee for the benefit of creditors, or other Person making such payment or distribution, delivered to the
Trustee or to the Holders, for the purpose of ascertaining the Persons entitled to participate in such distribution, the holders of the Senior Debt and other indebtedness of the Company, the amount of or payable on and the amount or amounts paid or
distributed on such Senior Debt or other indebtedness, and all other facts pertinent to such Senior Debt or other indebtedness or to this Article&nbsp;XIV. In the absence of any such bankruptcy trustee, receiver, assignee, or other Person, the
Trustee shall be entitled to conclusively rely upon a written notice by a Person representing itself, himself or herself to be a holder of Senior Debt (or a trustee or representative on behalf of such holder) as evidence that such Person is a holder
of such Senior </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">45 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Debt (or is such a trustee or representative), the amount of or payable on and the amount or amounts paid or distributed on such Senior Debt or other indebtedness, and all other facts pertinent
to such Senior Debt or other indebtedness. In the event that the Trustee determines, in good faith, that further evidence is required with respect to the right of any Person as a holder of Senior Debt to participate in any payments or distributions
pursuant to this Article&nbsp;XIV, the Trustee may request such person to furnish evidence to the reasonable satisfaction of the Trustee as to the amount of Senior Debt held by such Person, as to the extent to which such Person is entitled to
participate in such payment or distribution, and as to other facts pertinent to the rights of such Person under this Article&nbsp;XIV, and if such evidence is not furnished, the Trustee may withhold any payment to such Person pending judicial
determination as to the right of such Person to receive payment. The Trustee, however, shall not be deemed to owe any fiduciary duty to the holders of Senior Debt, and shall not be liable to any such holders if it shall pay over or deliver to the
Holders or the Company or any other Person, cash, securities, or other property to which any holders of Senior Debt shall be entitled by virtue of this Article or otherwise. With respect to the holders of Senior Debt, the Trustee undertakes to
perform or to observe only such of its covenants and obligations as are specifically set forth in this Indenture, and no implied covenants or obligations with respect to the holders of Senior Debt shall be read into this Indenture against the
Trustee. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Payment Permitted If No Default</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Nothing contained in this Article&nbsp;XIV (except in Section&nbsp;14.5) or elsewhere in this Indenture, or in any of the Securities, shall
prevent (a)&nbsp;the Company at any time, except during the pendency of any dissolution, winding up, liquidation, or reorganization proceedings referred to in Section&nbsp;14.1 or under the conditions specified in Section&nbsp;14.2, from making
payments of the principal of (or premium, if any) or interest on the Securities or (b)&nbsp;the application by the Trustee or any Paying Agent of any moneys deposited with it under this Indenture to payments of the principal of or interest on the
Securities, if, at the time of such deposit, a Responsible Officer of the Trustee or such Paying Agent, as the case may be, had not received at the Corporate Trust Office of the Trustee the Officers&#146; Certificate or written notice provided for
in Section&nbsp;14.5 of any event prohibiting the making of such deposit, or if, at the time of such deposit (whether or not in trust) by the Company with the Trustee or any Paying Agent (other than the Company) such payment would not have been
prohibited by the provisions of this Article, and the Trustee or any Paying Agent shall not be affected by any notice to the contrary received by it on or after such date. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Trustee Not Charged with Knowledge of Prohibition</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Anything in this Article&nbsp;XIV or elsewhere contained in this Indenture to the contrary notwithstanding, the Trustee shall not at any time
be charged with knowledge of the existence of any facts which would prohibit the making of any payment of moneys to or by the Trustee, and shall be entitled conclusively to assume that no such facts exist and that no event specified in
Section&nbsp;14.1 or Section&nbsp;14.2 has happened, unless and until a Responsible Officer of the Trustee shall have received at the Corporate Trust Office of the Trustee (i)&nbsp;an Officers&#146; Certificate to that effect or (ii)&nbsp;notice in
writing to that effect signed by or on behalf of the holder or holders, or their representatives, of Senior Debt who shall have been certified by the Company or otherwise established to the reasonable satisfaction of the Trustee to be such holder or
holders or representatives or from any trustee under any indenture pursuant to which such Senior Debt shall be outstanding; and before the receipt of any such Officers&#146; Certificate or written notice, the Trustee shall be entitled in all
respects to assume that no such facts exist; provided, however, that if the Trustee shall not have received the Officers&#146; Certificate or the written notice provided for in this Section at least three (3)&nbsp;Business Days prior to the date
upon which by the terms hereof any money may become payable for any purpose (including, without limitation, the payment of the principal of or interest on any Security) then, anything herein contained to the contrary notwithstanding, the Trustee
shall have all power and authority to receive such money and to apply the same to the purpose for which such money were received and shall not be affected by any notice to the contrary which may be received by it during or after such three
(3)&nbsp;Business Day period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall give prompt written notice to the Trustee and to the Paying Agent of any facts which
would prohibit the payment of money or assets to or by the Trustee or any Paying Agent. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">46 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Trustee to Effectuate Subordination</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Holder of Securities by such Holder&#146;s acceptance thereof authorizes and directs the Trustee on such Holder&#146;s behalf to take such
action as may be necessary or appropriate to effectuate the subordination as between such Holder and holders of Senior Debt as provided in this Article and appoints the Trustee its
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> for any and all such purposes. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Rights of Trustee as Holder of Senior Debt</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee shall be entitled to all the rights set forth in this Article with respect to any Senior Debt which may at the time be held by it,
to the same extent as any other holder of Senior Debt. Nothing in this Article shall deprive the Trustee of any rights as such holder. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.8.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Article</U><U></U><U>&nbsp;Applicable to Paying Agents</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case at any time any Paying Agent other than the Trustee shall have been appointed by the Company and be then acting under this Indenture,
the term &#147;Trustee&#148; as used in this Article shall in such case (unless the context shall otherwise require) be construed as extending to and including such Paying Agent within its meaning as fully for all intents and purposes as if the
Paying Agent were named in this Article in addition to or in place of the Trustee, provided, however, that Sections&nbsp;14.5 and 14.7 shall not apply to the Company or any Affiliate of the Company if the Company or such Affiliate acts as Paying
Agent. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.9.&nbsp;&nbsp;&nbsp;&nbsp;<U>Subordination Rights Not Impaired by Acts or Omissions of the Company or Holders of Senior Debt</U>.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No right of any present or future holders of any Senior Debt to enforce subordination as provided in this Indenture shall at any time in
any way be prejudiced or impaired by any act or failure to act on the part of the Company or by any act or failure to act, in good faith, by any such holder, or by any noncompliance by the Company with the terms, provisions, and covenants of this
Indenture, regardless of any knowledge which any such holder may have or be otherwise charged with. The holders of Senior Debt may, at any time or from time to time and in their absolute discretion, change the manner, place, or terms of payment,
change or extend the time of payment of, or renew or alter, any such Senior Debt, or amend or supplement any instrument pursuant to which any such Senior Debt is issued or by which it may be secured, or release any security, or exercise or refrain
from exercising any other of their rights under the Senior Debt including, without limitation, the waiver of default, all without notice to or assent from the Holders of the Securities or the Trustee and without affecting the obligations of the
Company, the Trustee, or the Holders of the Securities under this Article. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.10.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Trustee&#146;s Rights to Compensation, Reimbursement of Expenses and Indemnification</U>.
</P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Nothing in this Article shall apply to claims of, or payments to, the Trustee under or pursuant to Sections 5.6
or&nbsp;6.7. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%" VALIGN="top" ALIGN="left">Section&nbsp;14.11.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><U>Modification of Subordination Provisions</U>. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Anything in Article&nbsp;IX or elsewhere contained in this Indenture to the contrary notwithstanding, no modification or amendment and no
supplemental indenture shall modify the subordination provisions of this Article&nbsp;XIV in a manner that would adversely affect the holders of Senior Debt. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">47 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This instrument may be executed in any number of counterparts, each of which so executed
shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. The exchange of copies of this Indenture and of signature pages&nbsp;by facsimile or electronic format (<I>i.e.</I>,
&#147;pdf&#148; or &#147;tif&#148;) transmission shall constitute effective execution and delivery of this Indenture as to the parties hereto and may be used in lieu of the original Indenture for all purposes. Signatures of the parties hereto
transmitted by facsimile or electronic format (<I>i.e.</I>, &#147;pdf&#148; or &#147;tif&#148;) shall be deemed to be their original signatures for all purposes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties have caused this Indenture to be duly executed as of the day and year first above written. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">VALLEY NATIONAL BANCORP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Michael Hagedorn</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Michael Hagedorn</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Senior Executive Vice President and Chief Financial Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">U.S. BANK NATIONAL ASSOCIATION, as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Michael K. Herberger</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Michael K. Herberger</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Vice President</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">48 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-4.2
<SEQUENCE>4
<FILENAME>d147793dex42.htm
<DESCRIPTION>EX-4.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 4.2 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VALLEY NATIONAL BANCORP, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>Company, </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AND
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>U.S. BANK NATIONAL ASSOCIATION, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>Trustee </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FIRST
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SUPPLEMENTAL </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INDENTURE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Dated as of
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>May 28, 2021 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TO </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INDENTURE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Dated as of </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>May 28,
2021 </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>3.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">FIXED-TO-FLOATING</FONT></FONT> RATE SUBORDINATED
NOTES DUE 2031 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="14%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE I <B>DEFINITIONS</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>1</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Definitions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE II <B>GENERAL TERMS AND CONDITIONS OF THE NOTES</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>7</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Designation and Principal Amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form and Denomination of Notes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Initial Limit on Amount of Series</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rank; Subordination</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Further Issues Without Holders&#146; Consent</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form and Payment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">No Sinking Fund</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notes Not Convertible or Exchangeable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Global Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">No Additional Amounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE III <B>ORIGINAL ISSUE OF NOTES</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>11</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Original Issue of Notes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IV <B>SATISFACTION AND DISCHARGE</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>11</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Satisfaction and Discharge of Indenture</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE V <B>REMEDIES</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>12</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Events of Default</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acceleration of Maturity; Rescission and Annulment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collection of Indebtedness and Suits for Enforcement by Trustee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Control by Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VI <B>DEFEASANCE</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>14</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Defeasance Applicable to Notes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VII <B>REDEMPTION</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>14</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Redemption</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effect of Notice of Redemption</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VIII <B>MISCELLANEOUS</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>15</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ratification of Indenture</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Conflict with Trust Indenture Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effect of Headings and Table of Contents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Successors and Assigns</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Separability Clause</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Benefits of Indenture</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Governing Law</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Waiver of Jury Trial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consent to Jurisdiction</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Counterparts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trustee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">USA PATRIOT Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IX <B>SUPPLEMENTAL INDENTURES</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>17</B></TD>
<TD NOWRAP VALIGN="bottom"><B></B>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Supplemental Indentures Without Consent of Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Supplemental Indenture With Consent of Holders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Modification of Subordination Provisions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS FIRST SUPPLEMENTAL INDENTURE, dated as of May 28, 2021 (this &#147;<I>Supplemental
Indenture</I>&#148;), between Valley National Bancorp, a New Jersey corporation having an address at 1455 Valley Road, Wayne, NJ 07470 (hereinafter called the &#147;<I>Company</I>,&#148; which term shall include any successors pursuant to the terms
of this Supplemental Indenture), and U.S. Bank National Association, a national banking association having a corporate trust office at 13737 Noel Road, 8<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Floor, Dallas, TX 75240, as trustee
(hereinafter called the &#147;<I>Trustee</I>&#148;). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">RECITALS OF THE COMPANY </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company executed and delivered the Indenture (the &#147;<I>Base Indenture</I>&#148;), dated as of May 28, 2021, to the Trustee, to provide for
the issuance from time to time of the Company&#146;s subordinated debentures, notes or other evidences of indebtedness (the &#147;<I>Securities</I>&#148;), to be issued in one or more series; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEREAS, no Securities have been issued under the Base Indenture as of the date hereof; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEREAS, pursuant to the terms of the Base Indenture, the Company desires to provide for the establishment of a series of its Securities under the Base
Indenture to be known as its &#147;3.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes due 2031&#148; (the &#147;<I>Notes</I>&#148;), the form and the terms, provisions and
conditions thereof to be set forth as provided in the Base Indenture and this Supplemental Indenture (the Base Indenture, together with this Supplemental Indenture, referred to herein as this &#147;<I>Indenture</I>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEREAS, the Special Committee of the Board of Directors of the Company, pursuant to authority granted to it by the Board of Directors of the Company on May
18, 2021 and resolutions duly adopted by the Special Committee on May 25, 2021, after consultation with, and advice from, the Company&#146;s Chief Financial Officer, has duly authorized the issuance of the Notes and the amendments to the Base
Indenture with respect to the Notes provided for in this Supplemental Indenture, and has authorized the proper officers of the Company to execute any and all appropriate documents necessary or appropriate to effect each such issuance; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEREAS, this Supplemental Indenture is being entered into pursuant to the provisions of Section&nbsp;2.1, Section&nbsp;3.1 and Section&nbsp;9.1 of the Base
Indenture; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company has requested that the Trustee execute and deliver this Supplemental Indenture; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">WHEREAS, all things necessary to make this Supplemental Indenture a valid agreement of the Company, in accordance with its terms, and to make each of the
Notes, when executed by the Company and authenticated and delivered by the Trustee or an authentication agent, the valid obligations of the Company, have been performed, and the execution and delivery of this Supplemental Indenture has been duly
authorized in all respects; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NOW THEREFORE, in consideration of the premises and the purchase and acceptance of the Notes by the Holders thereof, and for
the purpose of setting forth, as provided in the Base Indenture, the forms and terms of the Notes, the Company covenants and agrees with the Trustee, for the equal and proportionate benefit of the Holders of the Notes, as follows: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE I </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DEFINITIONS
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For all purposes of this Supplemental Indenture, except as otherwise expressly provided or unless the context otherwise requires: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;all references in this instrument to designated &#147;Articles,&#148; &#147;Sections&#148; and other subdivisions
are to be designated Articles, Sections and other subdivisions of this Supplemental Indenture unless the context otherwise requires; the words &#147;herein,&#148; &#147;hereof&#148; and &#147;hereunder&#148; and other words of similar import refer
to this Supplemental Indenture as a whole and not to any particular Article, Section or other subdivision; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;each term defined in the Base Indenture has the same meaning when
used in this Supplemental Indenture, except to the extent specifically defined herein, in which case the meaning ascribed to it in this Supplemental Indenture shall control; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Section 1.1 of the Base Indenture is amended and supplemented, solely with respect to the Notes, by inserting the
following additional defined terms in their appropriate alphabetical positions: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Administrative or Judicial Action</I>&#148; has
the meaning provided in the definition of &#147;<I>Tax Event</I>.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Bank</I>&#148; means: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp;any institution organized under the laws of the United States, any State of the United States, the District of
Columbia, any territory of the United States, Puerto Rico, Guam, American Samoa or the Virgin Islands which </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(A)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">accepts deposits that the depositor has a legal right to withdraw on demand, and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(B)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">engages in the business of making commercial loans, or </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp; any trust company organized under any of the foregoing laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Benchmark</I>&#148; means, initially, Three-Month Term SOFR; provided that if the Calculation Agent determines on or prior to the
Reference Time that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR or the then-current Benchmark, then &#147;Benchmark&#148; means the applicable Benchmark Replacement.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Benchmark Replacement</I>&#148; means the Interpolated Benchmark with respect to the then-current Benchmark, plus the Benchmark
Replacement Adjustment for such Benchmark; provided that if (a)&nbsp;the Calculation Agent cannot determine the Interpolated Benchmark as of the Benchmark Replacement Date or (b)&nbsp;the then-current Benchmark is Three-Month Term SOFR and a
Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR (in which event no Interpolated Benchmark with respect to Three-Month Term SOFR shall be determined), then &#147;<I>Benchmark
Replacement</I>&#148; means the first alternative set forth in the order below that can be determined by the Calculation Agent as of the Benchmark Replacement Date: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp;Compounded SOFR; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp;the sum of: (a)&nbsp;the alternate rate that has been selected or recommended by the Relevant Governmental Body as
the replacement for the then-current Benchmark for the applicable Corresponding Tenor and (b)&nbsp;the Benchmark Replacement Adjustment; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3)&nbsp;&nbsp;&nbsp;&nbsp;the sum of: (a)&nbsp;the ISDA Fallback Rate, and (b)&nbsp;the Benchmark Replacement Adjustment; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4)&nbsp;&nbsp;&nbsp;&nbsp;the sum of: (a)&nbsp;the alternate rate that has been selected by the Calculation Agent as the replacement for the
then-current Benchmark for the applicable Corresponding Tenor, giving due consideration to any industry-accepted rate as a replacement for the then-current Benchmark for U.S. dollar-denominated floating rate securities at such time, and (b)&nbsp;the
Benchmark Replacement Adjustment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Benchmark Replacement Adjustment</I>&#148; means the first alternative set forth in the order below that can
be determined by the Calculation Agent as of the Benchmark Replacement Date: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5)&nbsp;&nbsp;&nbsp;&nbsp;the spread adjustment, or method
for calculating or determining such spread adjustment (which may be a positive or negative value or zero), that has been selected or recommended by the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6)&nbsp;&nbsp;&nbsp;&nbsp;if the applicable Unadjusted Benchmark Replacement is equivalent
to the ISDA Fallback Rate, then the ISDA Fallback Adjustment; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7)&nbsp;&nbsp;&nbsp;&nbsp;the spread adjustment (which may be a
positive or negative value or zero) that has been selected by the Calculation Agent giving due consideration to any industry-accepted spread adjustment or method for calculating or determining such spread adjustment, for the replacement of the
then-current Benchmark with the applicable Unadjusted Benchmark Replacement for U.S. dollar-denominated floating rate securities at such time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Benchmark Replacement Conforming Changes</I>&#148; means, with respect to any Benchmark Replacement, any technical, administrative or operational
changes (including changes to the definition of &#147;interest period,&#148; timing and frequency of determining rates with respect to each interest period and making payments of interest, rounding of amounts or tenors, and other administrative
matters) that the Calculation Agent decides may be appropriate to reflect the adoption of such Benchmark Replacement in a manner substantially consistent with market practice (or, if the Calculation Agent decides that adoption of any portion of such
market practice is not administratively feasible or if the Calculation Agent determines that no market practice for use of the Benchmark Replacement exists, in such other manner as the Calculation Agent determines is reasonably necessary). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Benchmark Replacement Date</I>&#148; means the earliest to occur of the following events with respect to the then-current Benchmark: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp;in the case of clause (1)&nbsp;of the definition of &#147;Benchmark Transition Event,&#148; the relevant Reference
Time in respect of any determination; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp;in the case of clause (2)&nbsp;or (3) of the definition of
&#147;Benchmark Transition Event,&#148; the later of (a)&nbsp;the date of the public statement or publication of information referenced therein and (b)&nbsp;the date on which the administrator of the Benchmark permanently or indefinitely ceases to
provide the Benchmark; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3)&nbsp;&nbsp;&nbsp;&nbsp;in the case of clause (4)&nbsp;of the definition of &#147;Benchmark Transition
Event,&#148; the date of the public statement or publication of information referenced therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the avoidance of doubt, for purposes
of the definitions of Benchmark Replacement Date and Benchmark Transition Event, references to the Benchmark also include any reference rate underlying the Benchmark (for example, if the Benchmark becomes Compounded SOFR, references to the Benchmark
would include SOFR). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the avoidance of doubt, if the event giving rise to the Benchmark Replacement Date occurs on the same day as,
but earlier than, the Reference Time in respect of any determination, the Benchmark Replacement Date shall be deemed to have occurred prior to the Reference Time for such determination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<I>Benchmark Transition Event</I>&#148; means the occurrence of one or more of the following events with respect to the then-current
Benchmark: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp;if the Benchmark is Three-Month Term SOFR, (a)&nbsp;the Relevant Governmental Body has not selected
or recommended a forward-looking term rate for a tenor of three months based on SOFR, (b)&nbsp;the development of a forward-looking term rate for a tenor of three months based on SOFR that has been recommended or selected by the Relevant
Governmental Body is not complete or (c)&nbsp;the Company determines that the use of a forward-looking rate for a tenor of three months based on SOFR is not administratively feasible; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp;a public statement or publication of information by or on behalf of the administrator of the Benchmark announcing
that such administrator has ceased or will cease to provide the Benchmark, permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark;
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3)&nbsp;&nbsp;&nbsp;&nbsp;a public statement or publication of information by the regulatory supervisor for the administrator of the
Benchmark, the central bank for the currency of the Benchmark, an insolvency official with jurisdiction over the administrator for the Benchmark, a resolution authority with jurisdiction over the administrator for the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Benchmark or a court or an entity with similar insolvency or resolution authority over the administrator for the Benchmark, which states that the administrator of the Benchmark has ceased or will
cease to provide the Benchmark permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4)&nbsp;&nbsp;&nbsp;&nbsp;a public statement or publication of information by the regulatory supervisor for the administrator of the
Benchmark announcing that the Benchmark is no longer representative. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Business Day</I>&#148; means any day, other than a Saturday or Sunday, that
is neither a legal holiday nor a day on which the Trustee or banking institutions in the City of New York are authorized or required by law, regulation or executive order to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Calculation Agent</I>&#148; means the agent appointed by the Company prior to the commencement of the Floating Rate Period (which may include the
Company or any of its Affiliates) to act in accordance with <U>Section</U><U></U><U>&nbsp;2.7</U>. The Company shall initially act as the Calculation Agent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Compounded SOFR</I>&#148; means the compounded average of SOFRs for the applicable Corresponding Tenor, with the rate, or methodology for this rate,
and conventions for this rate being established by the Calculation Agent in accordance with: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp;the rate, or
methodology for this rate, and conventions for this rate selected or recommended by the Relevant Governmental Body for determining compounded SOFR; provided that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp;if, and to the extent that, the Calculation Agent determines that Compounded SOFR cannot be determined in
accordance with clause (1)&nbsp;above, then the rate, or methodology for this rate, and conventions for this rate that have been selected by the Calculation Agent giving due consideration to any industry-accepted market practice for U.S.
dollar-denominated floating rate securities at such time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For the avoidance of doubt, the calculation of Compounded SOFR shall exclude the Benchmark
Replacement Adjustment (if applicable) and the spread of 236 basis points per annum. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Corresponding Tenor</I>&#148; means (i)&nbsp;with respect
to Term SOFR, three months, and (ii)&nbsp;with respect to a Benchmark Replacement means a tenor (including overnight) having approximately the same length (disregarding business day adjustment) as the applicable tenor for the then-current Benchmark.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>DTC</I>&#148; means The Depository Trust Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Events of Default</I>&#148; has the meaning provided in <U>Section</U><U></U><U>&nbsp;5.1</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Federal Reserve</I>&#148; means the Board of Governors of the Federal Reserve System, and any successors thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Federal Reserve Bank of New York&#146;s Website</I>&#148; means the website of the Federal Reserve Bank of New York at
<U>http://www.newyorkfed.org</U>, or any successor source. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Fixed Rate Interest Payment Date</I>&#148; has the meaning provided in
<U>Section</U><U></U><U>&nbsp;2.7(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Fixed Rate Period</I>&#148; has the meaning provided in <U>Section</U><U></U><U>&nbsp;2.7(a)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Fixed Rate Regular Record Date</I>&#148; has the meaning provided in <U>Section</U><U></U><U>&nbsp;2.7(a)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Floating Rate Interest Payment Date</I>&#148; has the meaning provided in <U>Section</U><U></U><U>&nbsp;2.7(b)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Floating Rate Period</I>&#148; has the meaning provided in <U>Section</U><U></U><U>&nbsp;2.7(b)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Floating Rate Regular Record Date</I>&#148; has the meaning provided in <U>Section</U><U></U><U>&nbsp;2.7(b)</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Interest Payment Date</I>&#148; has the meaning provided in
<U>Section</U><U></U><U>&nbsp;2.7(b)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>interest period</I>&#148; means the period from and including the immediately preceding Interest
Payment Date in respect of which interest has been paid or duly provided for or, if no interest has been paid or duly provided for, from and including the Issue Date to, but excluding, the applicable Interest Payment Date or the Maturity Date or
date of earlier redemption, if applicable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Interpolated Benchmark</I>&#148; with respect to the Benchmark means the rate determined for the
Corresponding Tenor by interpolating on a linear basis between: (1)&nbsp;the Benchmark for the longest period (for which the Benchmark is available) that is shorter than the Corresponding Tenor, and (2)&nbsp;the Benchmark for the shortest period
(for which the Benchmark is available) that is longer than the Corresponding Tenor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>ISDA Definitions</I>&#148; means the 2006 ISDA Definitions
published by the International Swaps and Derivatives Association, Inc. or any successor thereto, as amended or supplemented from time to time, or any successor definitional booklet for interest rate derivatives published from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>ISDA Fallback Adjustment</I>&#148; means the spread adjustment (which may be a positive or negative value or zero) that would apply for derivatives
transactions referencing the ISDA Definitions to be determined upon the occurrence of an index cessation event with respect to the Benchmark for the applicable tenor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>ISDA Fallback Rate</I>&#148; means the rate that would apply for derivatives transactions referencing the ISDA Definitions to be effective upon the
occurrence of an index cessation date with respect to the Benchmark for the applicable tenor excluding the applicable ISDA Fallback Adjustment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Issue Date</I>&#148; means May 28, 2021. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Maturity Date</I>&#148; has the meaning provided in <U>Section</U><U></U><U>&nbsp;2.2</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Notice of Default</I>&#148; has the meaning provided in <U>Section</U><U></U><U>&nbsp;5.3(c)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Principal Subsidiary Bank</I>&#148; means (i)&nbsp;any Subsidiary Bank the consolidated assets of which as set forth in the most recent statement of
condition of such Subsidiary Bank constitute 40% or more of the Company&#146;s consolidated assets as determined from the most recent quarterly balance sheet of the Company or (ii)&nbsp;any Subsidiary Bank designated as a Principal Subsidiary Bank
by the Board of Directors, provided that if the Federal Reserve notifies the Company that any Subsidiary Bank that is a Principal Subsidiary Bank applying the tests in clause (i)&nbsp;or (ii) above does not qualify as a &#147;major subsidiary
depository institution&#148; within the requirements of the Federal Reserve&#146;s risk-based capital guidelines or regulations applicable to bank holding companies, such Subsidiary Bank shall not be a Principal Subsidiary Bank from and after the
time the Company receives from the Federal Reserve such a notice. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Redemption Date</I>&#148; has the meaning provided in
<U>Section</U><U></U><U>&nbsp;7.1</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Reference Time</I>&#148; with respect to any determination of the Benchmark means (1)&nbsp;if the
Benchmark is Three-Month Term SOFR, the time determined by the Calculation Agent after giving effect to the Three-Month Term SOFR Conventions, and (2)&nbsp;if the Benchmark is not Three-Month Term SOFR, the time determined by the Calculation Agent
after giving effect to the Benchmark Replacement Conforming Changes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Relevant Governmental Body</I>&#148; means the Federal Reserve and/or the
Federal Reserve Bank of New York, or a committee officially endorsed or convened by the Federal Reserve and/or the Federal Reserve Bank of New York or any successor thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>SOFR</I>&#148; means the secured overnight financing rate published by the Federal Reserve Bank of New York, as the administrator of the Benchmark
(or a successor administrator), on the Federal Reserve Bank of New York&#146;s Website. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Subsidiary Bank</I>&#148; means any Subsidiary which is
a Bank. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Tax Event</I>&#148; means the receipt by the Company of an opinion of independent tax counsel to
the effect that as a result of (a)&nbsp;an amendment to or change (including any announced prospective amendment or change) in any law or treaty, or any regulation thereunder, of the United States or any of its political subdivisions or taxing
authorities; (b)&nbsp;a judicial decision, administrative action, official administrative pronouncement, ruling, regulatory procedure, regulation, notice or announcement, including any notice or announcement of intent to adopt or promulgate any
ruling, regulatory procedure or regulation (any of the foregoing, an &#147;<I>Administrative or Judicial Action</I>&#148;); or (c)&nbsp;an amendment to or change in any official position with respect to, or any interpretation of, an Administrative
or Judicial Action or a law or regulation of the United States that differs from the previously generally accepted position or interpretation, in each case, which change or amendment or challenge becomes effective or which pronouncement, decision or
challenge is announced on or after the original issue date of the Notes, there is more than an insubstantial risk that interest payable by the Company on the Notes is not, or, within 90 days of the date of such opinion, will not be, deductible by
the Company, in whole or in part, for United States federal income tax purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Term SOFR</I>&#148; means the forward-looking term rate for the
applicable Corresponding Tenor based on SOFR that has been selected or recommended by the Relevant Governmental Body. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Term SOFR
Administrator</I>&#148; means any entity designated by the Relevant Governmental Body as the administrator of Term SOFR (or a successor administrator). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Three-Month Term SOFR</I>&#148; means the rate for Term SOFR for a tenor of three months that is published by the Term SOFR Administrator at the
Reference Time for any interest period, as determined by the Calculation Agent after giving effect to the Three-Month Term SOFR Conventions. All percentages used in or resulting from any calculation of Three-Month Term SOFR shall be rounded, if
necessary, to the nearest <FONT STYLE="white-space:nowrap">one-hundred-thousandth</FONT> of a percentage point, with 0.000005% rounded up to 0.00001%. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Three-Month Term SOFR Conventions</I>&#148; means any determination, decision or election with respect to any technical, administrative or
operational matter (including with respect to the manner and timing of the publication of Three-Month Term SOFR, or changes to the definition of &#147;interest period,&#148; timing and frequency of determining Three-Month Term SOFR with respect to
each interest period and making payments of interest, rounding of amounts or tenors, and other administrative matters) that the Calculation Agent decides may be appropriate to reflect the use of Three-Month Term SOFR as the Benchmark in a manner
substantially consistent with market practice (or, if the Calculation Agent decides that adoption of any portion of such market practice is not administratively feasible or if the Calculation Agent determines that no market practice for the use of
Three-Month Term SOFR exists, in such other manner as the Calculation Agent determines is reasonably necessary). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Tier 2 Capital Event</I>&#148;
means the Company&#146;s good faith determination that, as a result of (a)&nbsp;any amendment to, or change in, the laws, rules or regulations of the United States (including, for the avoidance of doubt, any agency or instrumentality of the United
States, including the Federal Reserve and other federal bank regulatory agencies) or any political subdivision of or in the United States that is enacted or becomes effective after the original issue date of the Notes; (b)&nbsp;any proposed change
in those laws, rules or regulations that is announced or becomes effective after the original issue date of the Notes; or (c)&nbsp;any official administrative decision or judicial decision or administrative action or other official pronouncement
interpreting or applying those laws, rules, regulations, policies or guidelines with respect thereto that is announced after the original issue date of the Notes, there is more than an insubstantial risk that the Company will not be entitled to
treat the Notes then outstanding as &#147;Tier 2 Capital&#148; (or its equivalent) for purposes of the capital adequacy rules or regulations of the Federal Reserve (or, as and if applicable, the capital adequacy rules or regulations of any successor
appropriate federal banking agency) as then in effect and applicable to the Company, for so long as any Notes are outstanding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Unadjusted
Benchmark Replacement</I>&#148; means the Benchmark Replacement excluding the Benchmark Replacement Adjustment. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE II </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GENERAL TERMS AND CONDITIONS OF THE NOTES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation and Principal Amount</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">There is hereby authorized and established a series of Securities under this Indenture, designated as the &#147;3.00% <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes due 2031.&#148; </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Form and Denomination of Notes</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The definitive form of the Notes and the Trustee&#146;s Certificate of Authentication to be endorsed thereon shall be substantially in the form set forth in
<B><U>Exhibit A</U></B> attached hereto, which is incorporated herein and made part hereof. The Notes shall bear interest and have such other terms as are stated in the form of definitive Notes or in this Indenture. The Stated Maturity of the Notes
shall be June 15, 2031 (the &#147;<I>Maturity Date</I>&#148;). The Notes shall be issued in minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Initial Limit on Amount of Series</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes shall initially be limited to U.S. $300,000,000 in aggregate principal amount, and may, upon the execution and delivery of this Supplemental
Indenture or from time to time thereafter, be executed by the Company and delivered to the Trustee for authentication, and the Trustee shall thereupon authenticate and deliver said Notes to or upon the delivery of a Company Order. Following the
initial issuance of the Notes, the aggregate principal amount of Notes may be increased as provided in <U>Section</U><U></U><U>&nbsp;2.5</U> hereof. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Rank; Subordination</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes are unsecured and shall rank subordinate and junior, to the extent and in the manner set forth in this Indenture, in right of payment and upon
liquidation of all the Company&#146;s obligations to the holders of Senior Debt of the Company. The Notes shall rank equally among themselves and with all of the Company&#146;s other subordinated unsecured indebtedness that, in the instrument
creating or evidencing the same or pursuant to which the same is outstanding, provides that such obligations are not superior in right of payment to the Notes or to other indebtedness that is <I>pari passu </I>with, or is not subordinate to, the
Notes. It is intended that the Notes be and are Tier 2 capital or the equivalent, for all regulatory purposes. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Further Issues Without Holders</U><U>&#146;</U><U> Consent</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company may, without notice to or the consent of the Holders of the Notes, but in compliance with the terms of this Indenture, create and issue additional
Notes having the same ranking, interest rate, maturity date and other terms as the Notes (other than the date of issuance, the issue price, the initial interest accrual date and the first Interest Payment Date). Any such additional Notes shall rank
equally and ratably with the Notes. Any such additional Notes, together with the Notes initially issued hereunder, shall constitute a single series of Securities for all purposes under this Indenture. Notwithstanding anything to the contrary in the
foregoing, no additional Notes may be issued unless (1)&nbsp;the additional Notes will be fungible with the Notes initially issued hereunder for United States securities law purposes, (2) (a) the additional Notes are issued pursuant to a
&#147;qualified reopening&#148; of the Notes initially issued hereunder for United States federal income tax purposes, or (b)&nbsp;the Notes initially issued hereunder were, and the additional Notes are, issued without any original issue discount
for United States federal income tax purposes and (3)&nbsp;the additional Notes have the same CUSIP number as the Notes initially issued hereunder. No additional Notes may be issued if any Event of Default has occurred and is continuing with respect
to the Notes. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Form and Payment</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Principal of, premium, if any, and interest on the Notes shall be payable in U.S. Dollars. Principal, premium, if any, and interest shall be considered paid on
the date due if the Paying Agent, if other than the Company or one of its Subsidiaries, holds as of 10:00 a.m. Eastern Time on the due date money deposited by the Company in immediately </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
available funds and designated for and sufficient to pay all such amounts then due. At the option of the Company, interest may be paid by mailing a check to the address of the Person entitled to
such interest as such address shall appear in the Security Register. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The Notes shall bear interest at a fixed rate of 3.00% per annum from and including May&nbsp;28, 2021 to, but
excluding, June&nbsp;15, 2026 or any earlier Redemption Date (the &#147;<I>Fixed Rate Period</I>&#148;). Interest accrued on the Notes during the Fixed Rate Period shall be payable semiannually in arrears on June&nbsp;15 and December&nbsp;15 of each
year, commencing on December&nbsp;15, 2021 (each such date, a &#147;<I>Fixed Rate Interest Payment Date</I>&#148;). The last Fixed Rate Interest Payment Date shall be June&nbsp;15, 2026, unless the Notes are earlier redeemed. The interest payable on
each Fixed Rate Interest Payment Date during the Fixed Rate Period shall be paid to each Holder in whose name a Note is registered at the close of business on the fifteenth day (whether or not a Business Day) immediately preceding the applicable
Fixed Rate Interest Payment Date (each such date, a &#147;<I>Fixed Rate Regular Record Date</I>&#148;), except that interest that is paid at Maturity shall be paid to the Person to whom the principal shall be payable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The Notes shall bear a floating interest rate from, and including June&nbsp;15, 2026, to, but excluding, the
Maturity Date or earlier Redemption Date (the &#147;<I>Floating Rate Period</I>&#148;). The floating interest rate shall be reset quarterly, and the interest rate for any Floating Rate Period shall be equal to the then-current Three-Month Term SOFR
plus 236 basis points for each quarterly interest period during the Floating Rate Period. During the Floating Rate Period, interest on the Notes shall be payable quarterly in arrears on March&nbsp;15, June&nbsp;15, September&nbsp;15 and
December&nbsp;15 of each year, commencing on September&nbsp;15, 2026 (each such date, a &#147;<I>Floating Rate Interest Payment Date</I>&#148; and, together with a Fixed Rate Interest Payment Date, an &#147;<I>Interest Payment Date</I>&#148;). The
interest payable on each Floating Rate Interest Payment Date during the Floating Rate Period shall be paid to each Holder in whose name a Note is registered at the close of business on the fifteenth day (whether or not a Business Day) immediately
preceding the applicable Floating Rate Interest Payment Date (each such date, a &#147;<I>Floating Rate Regular Record Date</I>&#148;), except that interest that is paid at Maturity shall be paid to the Person to whom the principal shall be payable.
Notwithstanding the foregoing, if Three-Month Term SOFR (or other applicable Benchmark) is less than zero, then Three-Month Term SOFR (or other such Benchmark) shall be deemed to be zero. The Calculation Agent shall provide the Company and the
Trustee with the interest rate in effect on the Notes promptly after the Reference Time (or such other date of determination for the applicable Benchmark). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The amount of interest payable on any Fixed Rate Interest Payment Date during the Fixed Rate Period shall be
computed on the basis of a <FONT STYLE="white-space:nowrap">360-day</FONT> year consisting of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months to, but excluding, June&nbsp;15, 2026, and, the amount of interest payable on any Floating
Rate Interest Payment Date during the Floating Rate Period shall be computed on the basis of a <FONT STYLE="white-space:nowrap">360-day</FONT> year on the basis of the actual number of days elapsed. The Company or the Calculation Agent, as
applicable, shall calculate the amount of interest payable on any Interest Payment Date and the Trustee shall have no duty to confirm or verify any such calculation. In the event that any scheduled Interest Payment Date or the Maturity Date for the
Notes falls on a day that is not a Business Day, then payment of interest payable on such Interest Payment Date or of principal and interest payable on the Maturity Date shall be paid on the next succeeding day which is a Business Day (any payment
made on such date shall be treated as being made on the date that the payment was first due and no interest on such payment shall accrue for the period from and after such scheduled Interest Payment Date); provided, that in the event that any
scheduled Floating Rate Interest Payment Date falls on a day that is not a Business Day and the next succeeding Business Day falls in the next succeeding calendar month, such Floating Rate Interest Payment Date shall be accelerated to the
immediately preceding Business Day, and, in each such case, the amounts payable on such Business Day shall include interest accrued to, but excluding, such Business Day. Dollar amounts resulting from interest calculations shall be rounded to the
nearest cent, with one half cent being rounded upward. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;The Company shall take such actions as are necessary to
ensure that from the commencement of the Floating Rate Period for so long as any of the Notes remain outstanding there shall at all times be a Calculation Agent appointed to calculate Three-Month Term SOFR in respect of each Floating Rate Period and
to determine and calculate any interest in respect of any Benchmark Replacement. The calculation of Three-Month Term SOFR for each applicable Floating Rate Period by the Calculation Agent shall (in the absence of manifest error) be final and
binding. The Calculation Agent&#146;s determination of any interest rate and its calculation of interest payments for any period shall be maintained on file at the Calculation Agent&#146;s principal offices, shall be made available to any Holder
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
of the Notes upon request and shall be provided to the Trustee (for informational purposes only). The Trustee shall have no responsibility to determine whether any manifest error has occurred,
may conclusively assume that no such manifest error exists and shall not be liable in so assuming. The Calculation Agent shall have all the rights, protections and indemnities afforded to the Trustee under this Indenture. The Calculation Agent may
be removed by the Company at any time. If the Calculation Agent is unable or unwilling to act as Calculation Agent or is removed by the Company, the Company shall promptly appoint a replacement Calculation Agent. The Calculation Agent may not resign
its duties without a successor having been duly appointed; provided, that if a successor Calculation Agent has not been appointed by the Company and such successor accepted such position within 30 days after the giving of notice of resignation by
the Calculation Agent, then the resigning Calculation Agent may petition, at the expense of the Company, any court of competent jurisdiction for the appointment of a successor Calculation Agent with respect to such series. The Trustee shall have no
duty to monitor compliance or see to the performance by the Calculation Agent of any of its obligations in respect of the Notes or to perform such obligations, and shall not be under any duty to succeed to, assume or otherwise perform, any duties of
the Calculation Agent, or to appoint a successor or replacement in the event of the Calculation Agent&#146;s resignation or removal or to replace the Calculation Agent in the event of a default, breach or failure of performance on the part of the
Calculation Agent with respect to the Calculation Agent&#146;s duties and obligations hereunder. For the avoidance of doubt, if at any time there is no Calculation Agent appointed by the Company, or the Calculation Agent appointed by the Company is
unable or unwilling to perform its duties hereunder, then the Company shall be the Calculation Agent. The Company may appoint itself or any of its Affiliates to be the Calculation Agent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp;If the Calculation Agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date
have occurred on or prior to the Reference Time in respect of any determination of the Benchmark on any date, then the Benchmark Replacement shall replace the then-current Benchmark for all purposes relating to the Notes during the Floating Rate
Period in respect of such determination on such date and all determinations on all subsequent dates. In connection with the implementation of a Benchmark Replacement, the Calculation Agent shall have the right to make Benchmark Replacement
Conforming Changes from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything set forth in
<U>Section</U><U></U><U>&nbsp;2.7(b)</U> above, if the Calculation Agent determines on or prior to the relevant Reference Time that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month
Term SOFR, then the provisions set forth in this <U>Section</U><U></U><U>&nbsp;2.7(e)</U> shall thereafter apply to all determinations of the interest rate on the Notes during the Floating Rate Period. After a Benchmark Transition Event and its
related Benchmark Replacement Date have occurred, the interest rate on the Notes for each interest period during the Floating Rate Period shall be an annual rate equal to the Benchmark Replacement plus 236 basis points. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(3)&nbsp;&nbsp;&nbsp;&nbsp;The Calculation Agent is expressly authorized to make the determinations, decisions and elections set forth in the
terms of the Notes, including with respect to the use of Three-Month Term SOFR as the Benchmark, and in this <U>Section</U><U></U><U>&nbsp;2.7(e)</U>. Any determination, decision or election that may be made by the Calculation Agent under the terms
of the Notes, including any determination with respect to a tenor, rate or adjustment or of the occurrence or <FONT STYLE="white-space:nowrap">non-occurrence</FONT> of an event, circumstance or date and any decision to take or refrain from taking
any action or selection (A)&nbsp;shall be conclusive and binding on the Holders of the Notes and the Trustee absent manifest error, (B)&nbsp;if made by the Company as Calculation Agent, shall be made in the Company&#146;s sole discretion,
(C)&nbsp;if made by a Calculation Agent other than the Company, shall be made after consultation with the Company, and the Calculation Agent shall not make any such determination, decision or election to which the Company reasonably objects and
(D)&nbsp;notwithstanding anything to the contrary herein or in the Base Indenture, shall become effective without consent from the Holders of the Notes, the Trustee or any other party. If the Calculation Agent fails to make any determination,
decision or election that it is required to make under the terms of the Notes, then the Company shall make such determination, decision or election on the same basis as described above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(4)&nbsp;&nbsp;&nbsp;&nbsp;The Company (or its Calculation Agent) shall notify the Trustee in writing (for informational purposes
only)&nbsp;(i) upon the occurrence of the Benchmark Transition Event and the Benchmark Replacement Date, and (ii)&nbsp;of any Benchmark Replacements, Benchmark Replacement Conforming Changes and other items affecting the interest rate on the Notes
after a Benchmark Transition Event. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(5)&nbsp;&nbsp;&nbsp;&nbsp;The Trustee shall not be responsible or liable for the actions or
omissions of the Calculation Agent hereunder, or any failure or delay in the performance of the Calculation Agent&#146;s duties or obligations, nor shall it be under any obligation to monitor or oversee the performance of the Calculation Agent. For
the avoidance of doubt (and without limitation of the foregoing), the Trustee (including in its capacity as Paying Agent) shall have no (i)&nbsp;responsibility or liability for the (A)&nbsp;Three-Month Term SOFR Conventions, (B)&nbsp;selection of an
alternative reference rate to Three-Month Term SOFR (including, without limitation, whether the conditions for the designation of such rate have been satisfied or whether such rate is a Benchmark Replacement or an Unadjusted Benchmark Replacement),
(C) determination or calculation of a Benchmark Replacement, or (D)&nbsp;determination of whether a Benchmark Transition Event or Benchmark Replacement Date has occurred, and in each such case under clauses (A)&nbsp;through (D) above shall be
entitled to conclusively rely upon the selection, determination, and/or calculation thereof as provided by the Company or its Calculation Agent, as applicable, and (ii)&nbsp;liability for any failure or delay in performing its duties hereunder as a
result of the unavailability of a Benchmark rate as described in the definition thereof, including, without limitation, as a result of the Company&#146;s or Calculation Agent&#146;s failure to select a Benchmark Replacement or the Calculation
Agent&#146;s failure to calculate a Benchmark. The Trustee shall be entitled to rely conclusively on all notices from the Company or its Calculation Agent regarding any Benchmark or Benchmark Replacement, including, without limitation, in regards to
Three-Month Term SOFR Conventions, a Benchmark Transition Event, Benchmark Replacement Date, and Benchmark Replacement Conforming Changes. All notices received hereunder by the Trustee from the Calculation Agent and all notices received by the
Trustee from the Company pursuant to this <U>Section</U><U></U><U>&nbsp;2.7(e)</U> shall be for informational purposes only and shall not require the Trustee to take any action in respect thereof. The Trustee shall be entitled to conclusively rely
on any determination made, and any instruction, notice, Officers&#146; Certificate or other instruction or information provided by the Calculation Agent without independent verification, investigation or inquiry of any kind. The Trustee shall not be
obligated to enter into any amendment or supplement hereto that adversely impacts its rights, duties, obligations, immunities or liabilities (including, without limitation, in connection with the adoption of any Benchmark Replacement Conforming
Changes). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(6)&nbsp;&nbsp;&nbsp;&nbsp;If the then-current Benchmark is Three-Month Term SOFR, the Calculation Agent shall have the right
to establish the Three-Month Term SOFR Conventions, and if any of the foregoing provisions concerning the calculation of the interest rate and the payment of interest during the Floating Rate Period are inconsistent with any of the Three-Month Term
SOFR Conventions determined by the Calculation Agent, then the relevant Three-Month Term SOFR Conventions shall apply. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.8&nbsp;&nbsp;&nbsp;&nbsp;<U>No Sinking Fund</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">No sinking fund shall be provided with respect to the Notes. In no event shall any Holder of the Notes have the right to require the Company to call, redeem or
repurchase the Notes, in whole or in part, and Article XII of the Base Indenture shall not be applicable to the Notes. Nothing in this <U>Section</U><U></U><U>&nbsp;2.8</U> shall limit the ability of Holders of Notes to enforce their rights to the
payment of principal, premium, if any, and interest on the Notes at maturity as provided in the Notes and in the Base Indenture, including Section&nbsp;5.8 of the Base Indenture. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.9&nbsp;&nbsp;&nbsp;&nbsp;<U>Notes Not Convertible or Exchangeable</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes shall not be convertible or exchangeable for other securities or property. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Global Securities</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes shall be issued as Securities and in the form of one or more permanent global Securities, without coupons, registered in the name of the Depositary
or its nominee. The initial Depositary for the Notes shall be DTC. Except as otherwise provided in Section&nbsp;3.5 of the Base Indenture, the global Securities described above may be transferred by the Depositary, in whole but not in part, only to
a nominee of the Depositary, or by a nominee of the Depositary to the Depositary, or to a successor Depositary or to a nominee of such successor Depositary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Owners of beneficial interests in such global Securities shall not be considered the Holders thereof for any purpose under this Indenture. The rights of
owners of beneficial interests in such global Securities shall be exercised only through the Depositary. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.11&nbsp;&nbsp;&nbsp;&nbsp;<U>No Additional Amounts</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that any payment on the Notes is subject to withholding of any U.S. federal income tax or other tax or assessment (as a result of
a change in law or otherwise), the Company shall not pay additional amounts with respect to such tax or assessment. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE III </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ORIGINAL ISSUE OF NOTES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Original Issue of Notes</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes may, upon execution of this Supplemental Indenture, be executed by the Company and delivered to the Trustee for authentication, and the Trustee
shall, upon Company Order, authenticate and deliver such Notes as in such Company Order provided. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE IV </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SATISFACTION AND DISCHARGE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">With respect
to the Notes only, Section&nbsp;4.1 of the Base Indenture is hereby replaced with the following: </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Satisfaction and Discharge of Indenture</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Indenture, including the provisions of Article XIV of the Base Indenture as modified hereby (except as to any surviving rights of registration of transfer
or exchange of Notes expressly provided for in this Indenture), shall upon Company Request cease to be of further effect with respect to the Notes, and the Trustee, at the expense of the Company, shall execute proper instruments acknowledging
satisfaction and discharge of this Indenture as to the Notes, when </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;either: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp; all Notes previously authenticated and delivered (other than (i)&nbsp;Notes which have been destroyed, lost, or
stolen and which have been replaced or paid as provided in Section&nbsp;3.6 of the Base Indenture and (ii)&nbsp;Notes for whose payment money has previously been deposited in trust or segregated and held in trust by the Company and thereafter repaid
to the Company or discharged from such trust, as provided in Section&nbsp;10.3 of the Base Indenture) have been delivered to the Trustee for cancellation; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp;all such Notes not previously delivered to the Trustee for cancellation </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(A)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">have become due and payable, </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(B)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">will become due and payable at their Stated Maturity within one year, or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(C)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">are to be called for redemption within one year under arrangements satisfactory to the Trustee for the giving
of notice of redemption by the Trustee in the name, and at the expense, of the Company, </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">and the Company, in the case of
(A), (B) or (C)&nbsp;above, has irrevocably deposited or caused to be deposited with the Trustee as trust funds in trust for the purpose an amount sufficient to pay and discharge the entire indebtedness on such Notes not previously delivered to the
Trustee for cancellation (other than Notes which have been destroyed, lost, or stolen and which have been replaced or paid as provided in Section&nbsp;3.6 of the Base Indenture), for principal and any premium and interest to the date of such deposit
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">
(in the case of Notes which have become due and payable) or to the Stated Maturity or Redemption Date, as the case may be; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;the Company has paid or caused to be paid all other sums payable by the Company under this Supplemental Indenture;
and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;the Company has delivered to the Trustee an Officers&#146; Certificate and an Opinion of Counsel, each
stating that all conditions precedent provided for in this Indenture relating to the satisfaction and discharge of this Indenture with respect to the Notes have been complied with. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Notwithstanding the satisfaction and discharge of this Indenture with respect to the Notes, the obligations of the Company to the Trustee under
Section&nbsp;6.7 of the Base Indenture, the obligations (if any) of the Company to any Authenticating Agent under Section&nbsp;6.14 of the Base Indenture and, if money shall have been deposited with the Trustee pursuant to subclause (2)&nbsp;of
Clause (a)&nbsp;of this Section, the obligations of the Trustee under Section&nbsp;4.2 of the Base Indenture and the last paragraph of Section&nbsp;10.3 of the Base Indenture shall survive. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE V </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REMEDIES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">With respect to the Notes only, the limitations set forth in Section&nbsp;5.7 of the Base Indenture do not apply to a suit instituted by a holder of Notes for
the enforcement of payment of the principal of or interest on the Notes on or after the Maturity Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">With respect to the Notes only, Sections 5.1, 5.2,
5.3 and 5.12 of the Base Indenture are hereby replaced with the following: </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Events of
Default</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<I>Events of Default</I>,&#148; wherever used in this Indenture with respect to the Notes, means any one of the following events
(whatever the reason for such Event of Default, whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree, or order of any court or any order, rule, or regulation of any administrative or
governmental body): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;a court having jurisdiction in the premises shall enter a decree or order for relief in
respect of the Company or a Principal Subsidiary Bank in an involuntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or a receiver, liquidator, assignee, custodian, trustee, sequestrator (or
similar official) of the Company or a Principal Subsidiary Bank is appointed for the Company or for any substantial part of its property or for a Principal Subsidiary Bank, or a court or a bank regulatory authority having jurisdiction in the
premises, shall appoint a receiver or similar official, or order the <FONT STYLE="white-space:nowrap">winding-up</FONT> or liquidation of the affairs of the Company or a Principal Subsidiary Bank, and such decree or order shall remain unstayed and
in effect for a period of 60 consecutive days; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp; the Company or a Principal Subsidiary Bank shall commence a
voluntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or shall consent to the entry of an order for relief in any involuntary case under any such law, or the Company or a Principal Subsidiary
Bank shall consent to the appointment of or taking possession by a receiver, liquidator, assignee, trustee, custodian, sequestrator (or similar official) of the Company or a Principal Subsidiary Bank or for any substantial part of its property, or
shall make any general assignment for the benefit of creditors, or shall fail generally to pay its debts as they become due or shall take any corporate action in furtherance of any of the foregoing. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Acceleration of Maturity; Rescission and Annulment</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If an Event of Default under clause (a)&nbsp;or (b) of <U>Section</U><U></U><U>&nbsp;5.1</U> hereof with respect to the Notes occurs and is continuing, then
the Trustee or the Holders of not less than 25% in aggregate principal amount of the Outstanding </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Notes may declare the principal of all the Notes to be due and payable immediately, by a notice in writing to the Company (and to the Trustee if given by the Holders), and upon any such
declaration such principal or such lesser amount shall become immediately due and payable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">At any time after such a declaration has been made with
respect to the Notes and before a judgment or decree for payment of the money due has been obtained by the Trustee as provided in Article V of this Indenture, the Holders of a majority in principal amount of the Outstanding Notes, by written notice
to the Company and the Trustee may waive all defaults with respect to all affected series, and may rescind and annul such declaration and the consequences of the Event of Default if: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;the Company has paid or deposited with the Trustee a sum sufficient to pay (1)&nbsp;all overdue interest on all
Notes, (2)&nbsp;the principal of (and premium, if any, on) any Notes which have become due otherwise than by such declaration of acceleration and any interest on such Notes at the rate or rates prescribed herein and in the Notes, and (3)&nbsp;all
sums paid or advanced by the Trustee under this Indenture and the reasonable compensation, expenses, disbursements, and advances of the Trustee, its agents, and counsel; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;all defaults and Events of Default with respect to the Notes, other than the
<FONT STYLE="white-space:nowrap">non-payment</FONT> of the principal of the Notes which has become due solely by such acceleration, have been cured or waived as provided in Section&nbsp;5.13 of the Base Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">No such rescission shall affect any subsequent default or impair any consequent right. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Except for an Event of Default specified in <U>Section</U><U></U><U>&nbsp;5.1(a)</U> or <U>5.1(b)</U>, no other default, or failure to perform, or breach of
any covenant or warranty of the Company, shall result in a right to accelerate the principal or interest due under the Securities then Outstanding. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Collection of Indebtedness and Suits for Enforcement by Trustee</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company covenants that if: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;default is made in the payment of any interest on any Note when such interest becomes due and payable and such
default continues for a period of 30 days, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;default is made in the payment of the principal of (or premium, if
any, on) any Note at its Maturity and such default continues for a period of 30 days, or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;default is made in
the performance, or breach, of any covenant or warranty of the Company in this Indenture (other than a covenant or warranty a default in the performance of which or breach of which is elsewhere in this Section specifically dealt with or which has
been expressly included in this Indenture solely for the benefit of a series of Securities other than such series), and such default or breach continues for a period of 30 days after there has been given, by registered or certified mail, to the
Company by the Trustee or to the Company and the Trustee by the Holders of at least 25% in principal amount of the Outstanding Securities of such series a written notice specifying such default or breach and requiring it to be remedied and stating
that such notice is a &#147;Notice of Default&#148; under this Indenture, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">the Company shall, upon demand of the Trustee, pay to it, for the benefit of
the Holders of such Securities, the whole amount then due and payable on such Securities for principal and any premium and interest and, to the extent that payment of such interest shall be legally enforceable, interest on any overdue principal and
premium and on any overdue interest, at the rate or rates prescribed in such Securities, and, in addition, such further amount as shall be sufficient to cover the costs and expenses of collection, including the reasonable compensation, expenses,
disbursements, and advances of the Trustee, its agents, and counsel. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the Company fails to pay such amounts immediately upon such demand, the Trustee,
in its own name and as trustee of an express trust, may institute a judicial proceeding for the collection of the sums so due and unpaid, may prosecute such proceeding to judgment or final decree, and may enforce the same against the Company or any
other </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
obligor upon such Notes and collect the moneys adjudged or decreed to be payable in the manner provided by law out of the property of the Company or any other obligor upon such Notes, wherever
situated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If an Event of Default with respect to the Notes occurs and is continuing, the Trustee may in its discretion proceed to protect and enforce its
rights and the rights of the Holders of the Notes by such appropriate judicial proceedings as the Trustee shall deem most effectual to protect and enforce any such rights, whether for the specific enforcement of any covenant or agreement in this
Indenture or in aid of the exercise of any power granted in this Indenture, or to enforce any other proper remedy. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.12&nbsp;&nbsp;&nbsp;&nbsp;<U>Control by Holders</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Holders of a majority in principal amount of the Outstanding Notes shall have the right to direct the time, method, and place of conducting any proceeding
for any remedy available to the Trustee, or exercising any trust or power conferred on the Trustee, with respect to the Notes, provided that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;such direction shall not be in conflict with any rule of law or with this Indenture, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;the Trustee may take any other action deemed proper by the Trustee which is not inconsistent with such direction,
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;such direction is not unduly prejudicial to the rights of other Holders of the Notes (it being understood that
the Trustee does not have an affirmative duty to ascertain whether or not any such directions are unduly prejudicial to such Holders); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;the Trustee shall have the right to decline to follow any such direction if the Trustee in good faith shall, by a
Responsible Officer or Officers of the Trustee, determine that the proceeding so directed would involve the Trustee in personal liability. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE VI </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DEFEASANCE
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Defeasance Applicable to Notes</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to Section&nbsp;3.1 of the Base Indenture, provision is hereby made for defeasance of the Notes under Section&nbsp;13.1 of the Base Indenture upon the
terms and conditions contained in Article XIII of the Base Indenture. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE VII </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REDEMPTION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes shall be redeemable, in each case, in whole at any time or in part from time to time, at the option of the Company beginning with the Interest
Payment Date on June&nbsp;15, 2026, but not prior thereto (except upon the occurrence of certain events specified below), and on any Interest Payment Date thereafter (each, a &#147;<I>Redemption Date</I>&#148;), subject to obtaining the prior
approval of the Federal Reserve to the extent such approval is then required under the rules of the Federal Reserve. The Notes may not otherwise be redeemed prior to the Maturity Date, except that the Company may, at its option, redeem the Notes
before the Maturity Date, in whole, but not in part, subject to obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the rules of the Federal Reserve, upon the occurrence of a Tier 2 Capital Event or
a Tax Event, or if the Company is required to register as an investment company pursuant to the Investment Company Act of 1940, as amended (15 U.S.C. <FONT STYLE="white-space:nowrap">80a-1</FONT> et seq.). Any such redemption shall be at a
Redemption Price equal to 100% of the principal amount of the Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the Redemption Date fixed by the Company. The provisions of Article XI of the Base Indenture shall apply to any
redemption of the Notes pursuant to this <U>Section</U><U></U><U></U></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<U>7.1</U>. Any partial redemption of a global Security representing the Notes shall be made in accordance with DTC&#146;s applicable procedures among all of the Holders of the Notes. If any Note
is to be redeemed in part only, the notice of redemption relating to such Note shall state that it is a partial redemption and the portion of the principal amount thereof to be redeemed, and a replacement Note in principal amount equal to the
unredeemed portion thereof shall be issued in the name of the Holder thereof upon cancellation of the original Note. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of Notice of Redemption</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">With respect to the Notes only, Section&nbsp;11.6 of the Base Indenture is hereby revised to read as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Notice of redemption having been given in accordance with this Indenture, the Notes to be redeemed shall, on the Redemption Date, become due and payable at
the Redemption Price specified in the notice, and from and after such date (unless the Company shall default in the payment of the Redemption Price and accrued interest) such Notes shall cease to bear interest; provided that any redemption or notice
of any redemption may, at the Company&#146;s discretion, be subject to the satisfaction (or waiver by the Company in its sole discretion) of one or more conditions precedent, including, but not limited to, completion of an equity offering, other
offering, issuance of indebtedness, or other corporate transaction or event, and notice of any redemption in respect thereof may be given prior to the completion thereof and may be partial as a result of only some of the conditions being satisfied.
Any such conditions precedent shall be set forth in the notice of redemption, and such notice shall state that, in the Company&#146;s discretion, the Redemption Date may be delayed until such time as any or all such conditions shall be satisfied (or
waived by the Company in its sole discretion), including to a date that is more than 60 days following the date of the initial notice of redemption, or such redemption may not occur and such notice may be rescinded in the event that any or all such
conditions shall not have been satisfied (or waived by the Company in its sole discretion) by the Redemption Date, or by the Redemption Date so delayed. The Company shall provide written notice of the delay or rescission of such notice of redemption
to the Trustee no later than 5:00 p.m. Eastern Time on the second Business Day prior to the Redemption Date. Upon surrender of any Note for redemption in accordance with a notice of redemption, such Note shall be paid by the Company at the
Redemption Price, together with accrued interest to the Redemption Date. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE VIII </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MISCELLANEOUS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Ratification of Indenture</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Base Indenture, as supplemented by this Supplemental Indenture, is in all respects ratified and confirmed, and this Supplemental Indenture shall be deemed
part of the Base Indenture in the manner and to the extent herein and therein provided; provided, however, that the provisions of this Supplemental Indenture shall apply solely with respect to the Notes and shall govern in the event of any
difference with the Base Indenture. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Conflict with Trust Indenture Act</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If any provision hereof limits, qualifies or conflicts with a provision of the Trust Indenture Act that is required under such Act to be a part of and govern
this Indenture, the latter provision shall control. If any provision of this Supplemental Indenture modifies or excludes any provision of the Trust Indenture Act that may be so modified or excluded, the latter provision shall be deemed to apply to
this Indenture as so modified or to be excluded, as the case may be. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of Headings and
Table of Contents</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Article and Section headings herein and the Table of Contents are for convenience only and shall not affect the construction
hereof. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Successors and Assigns</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">All covenants and agreements in this Supplemental Indenture by the Company shall bind its successors and
assigns, whether expressed or not. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Separability Clause</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In case any provision in this Supplemental Indenture or in the Notes shall be invalid, illegal or unenforceable, the validity, legality and enforceability of
the remaining provisions shall not in any way be affected or impaired thereby. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Benefits of
Indenture</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nothing in this Supplemental Indenture or in the Notes, express or implied, shall give to any Person, other than the Holders of the
Securities, the parties hereto and their successors hereunder, any benefit of any legal or equitable right, remedy or claim under this Supplemental Indenture. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Supplemental Indenture and the Notes shall be governed by and construed in accordance with the laws of the State of New York (including but not limited to
N.Y. General Obligations Law <FONT STYLE="white-space:nowrap">Section&nbsp;5-1401</FONT> and any successor statute thereto), without regard to the conflicts of law provisions thereof. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.8&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver of Jury Trial</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EACH OF THE COMPANY, THE TRUSTEE AND EACH HOLDER OF A SECURITY BY ITS ACCEPTANCE THEREOF, HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY
APPLICABLE LAW, ANY AND ALL RIGHT IT MAY HAVE TO TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS SUPPLEMENTAL INDENTURE, THE SECURITIES, THE BASE INDENTURE OR THE TRANSACTIONS CONTEMPLATED HEREBY OR
THEREBY. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.9&nbsp;&nbsp;&nbsp;&nbsp;<U>Consent to Jurisdiction</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Each of the Company and the Trustee irrevocably consents and submits, for itself and in respect of any of its assets or property, to the nonexclusive
jurisdiction of any court of the State of New York or any United States court sitting, in each case, in the Borough of Manhattan, The City of New York, New York, United States of America, and of any appellate court in respect thereof in any suit,
action or proceeding that may be brought in connection with this Indenture or the Securities, and waives any immunity from the jurisdiction of such courts. Each of the Company and the Trustee irrevocably waives, to the fullest extent permitted by
law, any objection to any such suit, action or proceeding that may be brought in such courts whether on the grounds of venue, residence or domicile or on the ground that any such suit, action or proceeding has been brought in an inconvenient forum.
Each of the Company and the Trustee agrees, to the fullest extent that it lawfully may do so, that final judgment in any such suit, action or proceeding brought in such a court shall be conclusive and binding upon the Company and the Trustee,
respectively, and the Company waives, to the fullest extent permitted by law, any objection to the enforcement by any competent court in the Company&#146;s jurisdiction of organization of judgments validly obtained in any such court in New York on
the basis of such suit, action or proceeding. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Supplemental Indenture may be executed in several counterparts, each of which shall be an original and all of which shall constitute but one and the same
instrument. Each signed copy shall be an original, but all of them together represent the same agreement. The exchange of copies of this Supplemental Indenture and of signature pages by facsimile, email or other electronic format (<I>i.e.</I>,
&#147;pdf,&#148; &#147;tif&#148; or &#147;jpg&#148;) shall constitute effective execution and delivery of this Supplemental Indenture as to the parties hereto and may be used in lieu of the original Supplemental Indenture for all purposes.
Signatures of the parties hereto transmitted by facsimile, email or other electronic format shall be deemed to be their original signatures for all purposes. This Supplemental Indenture and any other document, certificate or opinion delivered in
connection with this Supplemental Indenture or the issuance </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and delivery of Notes may be signed by or on behalf of the Company and the Trustee by manual, facsimile or pdf, tif or jpg. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Trustee</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Trustee shall not be responsible for and makes no representation as to the validity, sufficiency or adequacy of this Supplemental Indenture or the Notes,
and the recitals contained in this Supplemental Indenture and in the Securities, except the Trustee&#146;s certificates of authentication, shall be taken as the statements of the Company, and the Trustee or any Authenticating Agent assumes no
responsibility for their correctness. The Trustee shall not be accountable for the use or application by the Company of the Notes or the proceeds thereof and it shall not be responsible for any statement in any other document in connection with the
sale of the Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.12&nbsp;&nbsp;&nbsp;&nbsp;<U>USA PATRIOT Act</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The parties hereto acknowledge that in order to help the government fight the funding of terrorism and money laundering activities, pursuant to
federal regulations that became effective on October&nbsp;1, 2003, Section&nbsp;326 of the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person establishing a relationship or
opening an account with the Trustee. The parties hereto agree that they will provide the Trustee with name, address, tax identification number, if applicable, and other information that will allow the Trustee to identify the individual or entity who
is establishing the relationship, and will further provide the Trustee with formation documents such as articles of incorporation or other identifying documents. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE IX </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SUPPLEMENTAL
INDENTURES </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">With respect to the Notes only, Sections 9.1, 9.2 and 14.11 of the Base Indenture are hereby replaced with the following: </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Supplemental Indentures Without Consent of Holders</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Without the consent of any Holder of the Notes, the Company, when authorized by a Board Resolution, and the Trustee, at any time and from time to time, may
enter into one or more supplemental indentures, in form satisfactory to the Trustee, for any of the following purposes: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;to evidence the succession of another Person to the Company as obligor under this Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;to evidence and provide for the acceptance or appointment of a successor Trustee with respect to the Notes or
facilitate the administration of the trusts under this Indenture by more than one Trustee; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;to add to the
covenants for the benefit of the Holders of the Notes or to surrender any right or power conferred upon the Company in this Indenture, provided that such action shall not adversely affect the interests of the Holders of the Notes in any material
respect as determined in good faith by the Company and evidenced by an Officers&#146; Certificate; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;to add or
eliminate additional Events of Default; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;to cure any ambiguity, defect or inconsistency in this Indenture,
provided that such action shall not adversely affect the interests of the Holders of the Notes in any material respect as determined in good faith by the Company and evidenced by an Officers&#146; Certificate; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;to conform the text of this Indenture or the Notes to any provision of the &#147;Description of Notes&#148; in the
prospectus supplement applicable to the Notes at the time of the initial sale thereof; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;to secure the Notes or add obligors or collateral; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;to establish the form of any Securities and to provide for the issuance of any series of Securities under the Base
Indenture and to set forth the terms thereof; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;to provide for additional Notes; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;to provide for the issuance of Notes in uncertificated form in addition to or in place of certificated Notes; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;to add to, change, or eliminate any of the provisions of this Indenture in respect of one or more series of
Securities, provided that any such addition, change, or elimination (i)&nbsp;shall neither (A)&nbsp;apply to any Security of any series created prior to the execution of a supplemental indenture making such addition, change or elimination and
entitled to the benefit of such provision nor (B)&nbsp;modify the rights of the Holder of any such Security with respect to such provision or (ii)&nbsp;shall become effective only when there is no such Security Outstanding; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;to make any amendment to the provisions of this Indenture relating to the transfer and legending of Notes;
provided, however, that (a)&nbsp;compliance with this Indenture as so amended would not result in Notes being transferred in violation of applicable securities law and (b)&nbsp;such amendment does not materially and adversely affect the rights of
Holders to transfer Notes; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;to make any change that does not adversely affect the rights of any Holder of Notes
in any material respect as determined in good faith by the Company and evidenced by an Officers&#146; Certificate; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;to qualify or maintain qualification of this Indenture under the Trust Indenture Act; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;to comply with the rules and regulations of any securities exchange or automated quotation system on which the
Notes may be listed or traded. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Supplemental Indenture With Consent of Holders</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">With the consent of the Holders of not less than a majority in principal amount of the Outstanding Notes and other Securities of each series affected by such
supplemental indenture, by Act of such Holders delivered to the Company and the Trustee, the Company, when authorized by a Board Resolution, and the Trustee may enter into a supplemental indenture or indentures for the purpose of adding any
provisions to or changing in any manner or eliminating any of the provisions of this Indenture as applicable to the Notes; provided, however, that no such supplemental indenture entered into pursuant to this <U>Section</U><U></U><U>&nbsp;9.2</U>
shall, without the consent of the Holder of each Outstanding Security affected by such supplemental indenture: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;change the Stated Maturity or due date of the principal of or interest payable on the Notes or change any Place of
Payment where or the currency in which such principal or interest is payable; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;reduce the principal amount of
or the rate or amount of interest on the Notes; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;impair the right to institute suit for the enforcement of any
payment on with respect to the Notes; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;reduce the percentage in principal amount of the Outstanding Notes, the
consent of the Holders of which is required (1)&nbsp;to modify or amend this Indenture, or (2)&nbsp;to waive compliance with the provisions of or defaults under this Indenture and their consequences provided for in this Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;modify any of the provisions of this Section, Section&nbsp;5.13 of the Base Indenture, or Section&nbsp;10.8 of the
Base Indenture, except to increase any such percentage or to provide that certain other provisions of this Indenture cannot be modified or waived without the consent of the Holder of each affected Outstanding Note, provided, however, that this
clause shall not be deemed to require the consent of any Holder with respect to changes </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
in the references to &#147;the Trustee&#148; and concomitant changes in this Section, or the deletion of this proviso, in accordance with the requirements of Section&nbsp;6.11(b) of the Base
Indenture and <U>Section</U><U></U><U>&nbsp;9.1(b)</U> hereof; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;modify any of the provisions of this Indenture
with respect to the subordination of any Note or of any series of Securities issued under the Base Indenture in a manner adverse to the Holders or adverse to the capital treatment of the Notes, except to clarify ambiguities or to meet regulatory
requirements for the Notes to qualify as Tier 2 capital or the equivalent for bank regulatory purposes; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;modify or affect in any manner adverse to the Holders of the Notes the terms and conditions of the obligation of
the Company in respect of the due and punctual payment of the principal of or premium or interest on the Notes. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Modification of Subordination Provisions</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Anything in Article IX of the Base Indenture or elsewhere contained in this Indenture to the contrary notwithstanding, no modification or amendment of this
Indenture that adversely affects the superior position of any holder of Senior Debt shall be effective against any such holder of Senior Debt unless such holder of Senior Debt has consented to such modification or amendment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature page follows on next page] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed all as of
the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">VALLEY NATIONAL BANCORP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Michael Hagedorn</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Michael Hagedorn</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Senior Executive Vice President and Chief Financial Officer</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature page to
First Supplemental Indenture] </I></P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">U.S. BANK NATIONAL ASSOCIATION,<BR>as Trustee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Michael K. Herberger</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Michael K. Herberger</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Vice President</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature page to
First Supplemental Indenture] </I></P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM OF NOTE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>(See
Attached) </I></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[FORM OF GLOBAL NOTE] </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VALLEY NATIONAL BANCORP </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>3.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">FIXED-TO-FLOATING</FONT></FONT> RATE SUBORDINATED NOTE DUE
JUNE&nbsp;15, 2031 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="57%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>No.&nbsp;1</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>$300,000,000</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4.00em; font-size:10pt; font-family:Times New Roman"><B>CUSIP No.&nbsp;919794 AE7</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; text-indent:4.00em; font-size:10pt; font-family:Times New Roman"><B>ISIN No. US919794AE70</B></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE REFERRED TO IN THIS SECURITY AND IS
REGISTERED IN THE NAME OF A DEPOSITARY OR ITS NOMINEE. THIS SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF, ANY PERSON OTHER THAN THE DEPOSITARY OR ITS NOMINEE OR A SUCCESSOR OF SUCH
DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR AND NO SUCH TRANSFER MAY BE REGISTERED, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. EVERY SECURITY AUTHENTICATED AND DELIVERED UPON REGISTRATION OF TRANSFER OF, OR IN EXCHANGE FOR OR IN
LIEU OF, THIS SECURITY SHALL BE A GLOBAL SECURITY SUBJECT TO THE FOREGOING, EXCEPT IN SUCH LIMITED CIRCUMSTANCES. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">UNLESS THIS SECURITY IS
PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (&#147;<U>DTC</U>&#148;), TO VALLEY NATIONAL BANCORP (THE &#147;<U>COMPANY</U>&#148;) OR ITS AGENT FOR REGISTRATION OR TRANSFER, EXCHANGE OR PAYMENT,
AND ANY SECURITY ISSUED IS REGISTERED IN THE NAME OF CEDE&nbsp;&amp; CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO. OR SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>THIS SECURITY IS </B><B><I>NOT </I></B><B>A DEPOSIT AND IT IS </B><B><I>NOT </I></B><B>INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION
(&#147;<U>FDIC</U>&#148;) OR ANY OTHER GOVERNMENT AGENCY. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS SECURITY IS SUBORDINATED, AS TO PRINCIPAL, INTEREST AND PREMIUM, AND
ADDITIONAL AMOUNTS, IF ANY, TO ALL &#147;SENIOR DEBT&#148; OF THE COMPANY, INCLUDING ALL OBLIGATIONS TO THE COMPANY&#146;S DEPOSITORS AND GENERAL CREDITORS OR TRADE CREDITORS. THIS SECURITY IS NOT SECURED BY ANY ASSETS OF THE COMPANY OR BY THE
ASSETS OF ANY OF ITS SUBSIDIARIES OR AFFILIATES, IS NOT GUARANTEED BY ANY OF COMPANY&#146;S SUBSIDIARIES OR AFFILIATES. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS SECURITY IS
ISSUABLE IN MINIMUM DENOMINATIONS OF $1,000 AND INTEGRAL MULTIPLES OF $1,000 IN EXCESS THEREOF. AS PROVIDED IN THE INDENTURE AND SUBJECT TO CERTAIN LIMITATIONS THEREIN SET FORTH, SECURITIES OF THIS SERIES ARE EXCHANGEABLE FOR A LIKE AGGREGATE
PRINCIPAL AMOUNT OF SECURITIES OF SUCH SERIES OF A DIFFERENT AUTHORIZED DENOMINATION, AS REQUESTED BY THE HOLDER SURRENDERING THE SAME. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Valley National Bancorp, a New Jersey corporation, and any successor thereto, as provided below (the &#147;<U>Company</U>&#148;), for value
received, hereby promises to pay to Cede&nbsp;&amp; Co., or registered assigns, the principal sum of three hundred million dollars ($300,000,000) on June&nbsp;15, 2031 (the &#147;<U>Stated Maturity Date</U>&#148;), unless redeemed prior to such
date. This Security will bear interest at a fixed rate of 3.00% per annum from and including May&nbsp;28, 2021, to, but excluding, June&nbsp;15, 2026 (the &#147;<U>Fixed Rate Period</U>&#148;), unless redeemed prior to such date. Interest accrued on
this Security during the Fixed Rate Period will be payable semi-annually in arrears on June&nbsp;15 and December&nbsp;15 of each year (each such date, a &#147;<U>Fixed Rate Interest Payment Date</U>&#148;), with the first such Fixed Rate Interest
Payment Date being December&nbsp;15, 2021, and the last such Fixed Rate Interest Payment Date being June&nbsp;15, 2026, unless redeemed prior to such date. This Security will bear interest at a floating per annum interest rate from and including
June&nbsp;15, 2026, to, but excluding, the Stated Maturity Date or any earlier redemption date (the &#147;<U>Redemption Date</U>&#148;) (such period, the &#147;<U>Floating Rate Period</U>&#148;). The floating interest rate will be reset quarterly,
and the interest rate for any Floating Interest Period will be equal to the then-current Benchmark plus 236 basis points. During the Floating Rate Period, </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
interest on this Security will be payable quarterly in arrears on March&nbsp;15, June&nbsp;15, September&nbsp;15 and December&nbsp;15 of each year (each such date, a &#147;<U>Floating Rate
Interest Payment Date</U>&#148;, and together with a Fixed Rate Interest Payment Date, an &#147;<U>Interest Payment Date</U>&#148;), with the first such Floating Rate Interest Payment Date being September&nbsp;15, 2026, and the last such Floating
Rate Interest Payment Date being the Stated Maturity Date, unless redeemed prior to such date. Notwithstanding the foregoing, if the Benchmark is less than zero, the Benchmark shall be deemed to be zero. The interest so payable, and punctually paid
or duly provided for on any Interest Payment Date shall, as provided in the Indenture, be paid to the Person in whose name this Security (or one or more Predecessor Securities) is registered at the close of business on the Regular Record Date for
such interest, which shall be the fifteenth day (whether or not a Business Day) prior to such Interest Payment Date; provided, however, that interest payable at Maturity shall be paid to the Person to whom principal shall be payable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The interest payable on any Fixed Rate Interest Payment Date during the Fixed Rate Period will be computed on the basis of a <FONT
STYLE="white-space:nowrap">360-day</FONT> year consisting of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months to, but excluding, June&nbsp;15, 2026. The interest payable on any Floating Rate Interest Payment Date during the Floating Rate
Period will be computed on the basis of a <FONT STYLE="white-space:nowrap">360-day</FONT> year and the number of days actually elapsed. If a Fixed Rate Interest Payment Date or the Stated Maturity Date for this Security falls on a day that is not a
Business Day, the interest payable on such Interest Payment Date or the payment of principal and interest on the Stated Maturity Date will be paid on the next succeeding Business Day, but the payments made on such dates will be treated as being made
on the date that the payment was first due and the Holder of this Security will not be entitled to any further interest or other payment. If a Floating Rate Interest Payment Date falls on a day that is not a Business Day, then such Floating Rate
Interest Payment Date will be postponed to the next succeeding Business Day, unless such day falls in the next succeeding calendar month, in which case such Floating Rate Interest Payment Date will be accelerated to the immediately preceding
Business Day, and, in each such case, the amounts payable on such Business Day will include interest accrued to, but excluding, such Business Day. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No sinking fund will be provided with respect to this Security. In no event shall any Holder of this Security have the right to require the
Company to call, redeem or repurchase this Security, in whole or in part prior to maturity. Nothing in this paragraph, however, shall limit the ability of the Holder of this Security to enforce its rights to the payment of principal and premium, if
any, and interest on the Security at maturity as provided herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Payment of the principal of and interest on this Security will be made
at the Corporate Trust Office of the Trustee, or such other office or agency designated by the Company for that purpose, in U.S. Dollars; <I>provided</I> that, at the option of the Company, interest on this Security may be paid by mailing a check to
the address of the Person entitled to such interest as such address shall appear in the Security Register. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under certain conditions, the
Company may, without notice to or the consent of the Holder of this Security, create and issue additional notes having the same ranking, interest rate, maturity date and other terms as this Security (other than the date of issuance, the issue price,
the initial interest accrual date and the first Interest Payment Date), <I>provided that </I>no such additional notes may be issued unless (1)&nbsp;the additional notes are fungible with this Security for United States securities law purposes, (2)
(a) the additional notes are issued pursuant to a &#147;qualified reopening&#148; of this Security for United States federal income tax purposes, or (b)&nbsp;this Security was, and the additional notes are, issued without any original issue discount
for United States federal income tax purposes and (3)&nbsp;the additional notes have the same CUSIP number as this Security. No additional notes may be issued if any Event of Default has occurred and is continuing with respect to this Security. Such
additional notes shall be consolidated and form a single series with this Security for all purposes under the Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any
&#147;depository institution,&#148; as defined in Section&nbsp;3(c)(1) of the Federal Deposit Insurance Act, which holds this Security (or beneficial interest therein) shall be deemed to have agreed by acquiring this Security (or such beneficial
interest) to waive any rights to offset all or any portion of the indebtedness represented by this Security (or such beneficial interest) against any indebtedness or other obligations of such institution to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the further provisions of this Security set forth on the reverse hereof, which further provisions shall for all
purposes have the same effect as if set forth at this place. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless the certificate of authentication hereon has been executed by the
Trustee by manual or pdf signature of an authorized signatory, this Security shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed by manual,
facsimile or pdf. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">VALLEY NATIONAL BANCORP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Michael Hagedorn</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Senior Executive Vice President and Chief</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Financial Officer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Dated: May&nbsp;28, 2021 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This is one of the Securities of the series designated therein referred to in the within-mentioned Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">U.S. BANK NATIONAL ASSOCIATION, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">as Trustee </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="77%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Authorized Signatory</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dated: May&nbsp;28, 2021</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page to
Global Note</I>] </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>REVERSE OF SECURITY </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Security is one of a duly authorized issue of securities of the Company (the &#147;<U>Securities</U>&#148;), issued and to be issued in
one or more series under a Indenture, dated as of May&nbsp;28, 2021 (the &#147;<U>Base Indenture</U>&#148;), as supplemented by that First Supplemental Indenture, dated as of May&nbsp;28, 2021 (the &#147;<U>First Supplemental Indenture</U>,&#148;
and together with the Base Indenture, the &#147;<U>Indenture</U>&#148;), between the Company and U.S. Bank National Association, as Trustee (herein called the &#147;<U>Trustee</U>&#148;, which term includes any successor trustee under the
Indenture), to which the Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights, limitations of rights, duties and immunities thereunder of the Trustee, the Company and the Holders of the
Securities, and to which Indenture reference is hereby made for a statement of the terms upon which the Securities of this series designated on the face hereof are, and are to be, authenticated and delivered. By the terms of the Indenture, the
Securities are issuable in series that may vary as to amount, date of maturity, rate of interest, rank and in any other respect provided in the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The indebtedness evidenced by this Security is subordinate and junior in right of payment to all Senior Debt to the extent provided in the
Indenture, and each Holder of this Security, by such Holder&#146;s acceptance of this Security, covenants and agrees to the subordination provided in the Indenture and shall be bound by the provisions of the Indenture. Senior Debt shall continue to
be Senior Debt and entitled to the benefits of these subordination provisions irrespective of any amendment, modification, or waiver of any term of the Senior Debt or extension or renewal of the Senior Debt. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Holder hereof, by his, her or its acceptance hereof, waives all notice of the acceptance of the subordination provisions contained herein
and in the Indenture by each holder of Senior Debt, whether now outstanding or hereafter created, incurred, assumed or guaranteed, and waives reliance by each such Holder upon said provisions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Indenture contains provisions for defeasance of this Security upon compliance with certain conditions set forth in the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If certain Events of Default with respect to Securities of this series shall occur and be continuing, the principal of the Securities of this
series may be declared due and payable in the manner and with the effect provided in the Indenture. Any Event of Default with respect to this Security may be waived by the Holder hereof, as and if provided in the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company may, at its option, redeem the Securities of this series, in whole at any time or in part from time to time, at a redemption price
equal to 100% of the principal amount of the Securities to be redeemed plus accrued and unpaid interest to, but excluding, the <U>Redemption Date</U>, on any Interest Payment Date on or after June&nbsp;15, 2026. The Company may also, at its option,
redeem the Securities of this series before the Stated Maturity Date, in whole, but not in part, at any time, upon the occurrence of a Tier 2 Capital Event, a Tax Event or if the Company is required to register as an investment company pursuant to
the Investment Company Act of 1940, as amended. Any such redemption will be at a redemption price equal to 100% of the principal amount of the Securities to be redeemed plus accrued and unpaid interest to, but excluding, the Redemption Date fixed by
the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding any of the foregoing, to the extent then required under or pursuant to applicable regulations of the Federal
Reserve, this Security may not be repaid prior to the Stated Maturity Date without the prior written consent of the Federal Reserve. In the event of redemption of this Security in part only, a new Security or Securities of this series and of like
tenor for the unredeemed portion hereof will be issued in the name of the Holder hereof upon the cancellation hereof. The provisions of Article XI of the Base Indenture and Article VII of the First Supplemental Indenture shall apply to the
redemption of any Securities of this series by the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that any payment on the Securities of this series is subject to
withholding of any U.S. federal income tax or other tax or assessment (as a result of a change in law or otherwise), the Company will not pay additional amounts with respect to such tax or assessment. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">R - 1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No reference herein to the Indenture and no provision of this Security or of the Indenture
shall alter or impair the obligation of the Company, which is absolute and unconditional, to pay the principal of, premium (if any) and interest on this Security at the times, place and rate, and in the coin or currency, herein prescribed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As provided in the Indenture and subject to certain limitations therein set forth, the transfer of this Security is registrable in the
Security Register, upon surrender of this Security for registration of transfer at the office or agency of the Company maintained under Section&nbsp;10.2 of the Base Indenture for such purpose, duly endorsed by, or accompanied by a written
instrument of transfer in form satisfactory to the Company and the Security Registrar duly executed by, the Holder hereof or his attorney duly authorized in writing, and thereupon one or more new Securities of this series and of like tenor, of
authorized denominations and for the same aggregate principal amount, will be issued to the designated transferee or transferees. No service charge shall be made for any such registration of transfer or exchange, but the Company may require payment
of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Prior to due presentment of this
Security for registration of transfer, the Company, the Trustee and any agent of the Company or the Trustee may treat the Person in whose name this Security is registered as the owner hereof for all purposes, whether or not this Security be overdue,
and neither the Company, the Trustee nor any such agent shall be affected by notice to the contrary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All terms used in this Security
which are defined in the Indenture shall have the meanings assigned to them in the Indenture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Nothing in this Security, express or
implied, shall give to any person, other than the Holders of the Securities of this series, the parties hereto and their permitted successors hereunder, any benefit of any legal or equitable right, remedy or claim hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All notices under this Security shall be in writing and, in the case of the Company, addressed to the Company at 1455 Valley Road, Wayne, NJ
07470, Attention: General Counsel, or, in the case of the Trustee, addressed to the Trustee at 13737 Noel Road, 8<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Floor, Dallas, TX 75240 or to such other address of the Trustee as the Trustee
may notify the Holders of the Securities of this series. All notices to the Holder of this Security will be given to the Holder at its address as it appears in the Security Register. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All covenants and agreements by the Company in this Security and the Indenture shall bind the Company&#146;s successors and assigns, including
successors by operation of law resulting from a merger or consolidation of the Company, or successors resulting from the transfer of the Company&#146;s assets and liabilities substantially or entirely, to another entity
(&#147;<U>Successors</U>&#148;). Any Successor shall expressly assume in writing all the Company&#146;s obligations hereunder prior to becoming a Successor, and upon becoming a Successor, shall perform all the Company&#146;s obligations hereunder
and make all payments due hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case any provision in this Security shall be invalid, illegal or unenforceable, the validity,
legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">EACH OF THE COMPANY, THE
TRUSTEE AND EACH HOLDER OF THIS SECURITY BY ITS ACCEPTANCE HEREOF, HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHT IT MAY HAVE TO TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING
OUT OF OR RELATING TO THIS SECURITY, THE INDENTURE, OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Security shall be governed
by and construed in accordance with the laws of the State of New York (including but not limited to N.Y. General Obligations Law <FONT STYLE="white-space:nowrap">Section&nbsp;5-1401</FONT> and any successor statute thereto), without regard to the
conflicts of law provisions thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">R - 2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[FORM OF TRANSFER NOTICE] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">To assign this Security, fill in the form below: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="47%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">(I) or (we) assign and transfer this Note to:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">(Insert Assignee&#146;s legal name)</TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Insert assignee&#146;s Soc. Sec. or tax I.D. no.) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Print or type assignee&#146;s name, address and zip code) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and irrevocably appoint to transfer this Security on the books of the Company. The agent may substitute another to act for him. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="47%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Your signature:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(Sign exactly as your name appears on| the face of this Security)</TD></TR>
</TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Signature
Guarantee*: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Trustee). </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">R - 3 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>5
<FILENAME>d147793dex51.htm
<DESCRIPTION>EX-5.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-5.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 5.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g147793sp142.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><SMALL>BEIJING&nbsp;&nbsp;&nbsp;&nbsp;BRUSSELS&nbsp;&nbsp;&nbsp;&nbsp;DUBAI&nbsp;&nbsp;&nbsp;&nbsp;FRANKFURT&nbsp;&nbsp;&nbsp;&nbsp;JOHANNESBURG</SMALL></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><SMALL>LONDON&nbsp;&nbsp;&nbsp;&nbsp;LOS&nbsp;&nbsp;ANGELES&nbsp;&nbsp;&nbsp;&nbsp;NEW&nbsp;&nbsp;YORK&nbsp;&nbsp;&nbsp;&nbsp;PALO&nbsp;&nbsp;ALTO</SMALL></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><SMALL>SAN</SMALL> <SMALL>FRANCISCO&nbsp;&nbsp;&nbsp;&nbsp;SEOUL&nbsp;&nbsp;&nbsp;&nbsp;SHANGHAI&nbsp;&nbsp;&nbsp;&nbsp;WASHINGTON</SMALL></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; font-size:10pt; font-family:Times New Roman">Covington &amp; Burling <SMALL>LLP</SMALL></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; font-size:10pt; font-family:Times New Roman">The New York Times Building</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; font-size:10pt; font-family:Times New Roman">620 Eighth Avenue</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; font-size:10pt; font-family:Times New Roman">New
York, NY 10018-1405</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:4.00em; font-size:10pt; font-family:Times New Roman">T +1212 841 1000</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">May&nbsp;28, 2021 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Valley National Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1455 Valley Road </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Wayne, New Jersey 07470 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have acted as counsel to Valley National Bancorp, a New Jersey corporation (the &#147;<I>Company</I>&#148;), in connection with the
issuance and sale by the Company under the Securities Act of 1933, as amended (the &#147;<I>Securities Act</I>&#148;), of $300,000,000 in aggregate principal amount of the Company&#146;s 3.00% <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes due 2031 (the &#147;<I>Notes</I>&#148;) pursuant to (i)&nbsp;a Registration Statement on Form <FONT STYLE="white-space:nowrap">S-3,</FONT> Registration
No.&nbsp;333-254696, which was filed with the Securities and Exchange Commission (the &#147;<I>Commission</I>&#148;) on March&nbsp;25, 2021 and became automatically effective on March&nbsp;25, 2021 (the &#147;<I>Registration Statement</I>&#148;),
including the related prospectus therein, (ii)&nbsp;a preliminary prospectus supplement dated May&nbsp;25, 2021, filed with the Commission pursuant to Rule 424(b) promulgated under the Securities Act, and (iii)&nbsp;a prospectus supplement dated
May&nbsp;25, 2021, filed with the Commission pursuant to Rule 424(b). The Notes are being sold pursuant to the Underwriting Agreement, dated May&nbsp;25, 2021, among Piper Sandler&nbsp;&amp; Co. and BofA Securities, Inc., as representatives of the
underwriters named therein, the Company and Valley National Bank (the &#147;<I>Underwriting Agreement</I>&#148;), and issued pursuant to the Indenture, dated May&nbsp;28, 2021 (the &#147;<I>Base Indenture</I>&#148;), between the Company and U.S.
Bank National Association (the &#147;<I>Trustee</I>&#148;), as supplemented by that certain First Supplemental Indenture, dated May&nbsp;28, 2021, between the Company and the Trustee (the &#147;<I>Supplemental Indenture</I>&#148; and, together with
the Base Indenture, the &#147;<I>Indenture</I>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have reviewed such corporate records, certificates and other documents, and
such questions of law, as we have considered necessary or appropriate for the purposes of this opinion. We have assumed that all signatures are genuine, that all documents submitted to us as originals are authentic and that all copies of documents
submitted to us conform to the originals. We have assumed further that the Trustee has duly authorized, executed and delivered the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have assumed further that (i)&nbsp;the Company is a corporation duly organized, validly existing and in good standing under the laws of the
State of New Jersey; (ii)&nbsp;the Company has all requisite power, authority and legal right to execute, deliver and perform its obligations under the Indenture and the Notes; (iii)&nbsp;the Company has duly authorized the Indenture and the Notes;
and (iv)&nbsp;insofar as the laws of the State of New Jersey are concerned, the Company has duly executed and delivered the Indenture and the Notes. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g147793sp142.jpg" ALT="LOGO">
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have relied as to certain matters on information obtained from public officials, officers
of the Company and other sources believed by us to be responsible. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based upon the foregoing, and subject to the qualifications set forth
below, we are of the opinion that when the Notes have been duly executed by the Company and duly authenticated and delivered by the Trustee in accordance with the terms of the Indenture and issued and delivered by the Company against payment
therefor as specified in the Underwriting Agreement, the Notes will constitute the valid and binding obligations of the Company, enforceable against the Company in accordance with their terms, subject to bankruptcy, insolvency, fraudulent transfer,
reorganization, moratorium and other laws of general applicability relating to or affecting creditors&#146; rights and to general equity principles. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We express no opinion as to: (i)&nbsp;waivers of defenses, subrogation and related rights, rights to trial by jury, rights to object to venue,
or other rights or benefits bestowed by operation of law; (ii)&nbsp;releases or waivers of unmatured claims or rights; (iii)&nbsp;indemnification, contribution, exculpation or arbitration provisions, or provisions for the <FONT
STYLE="white-space:nowrap">non-survival</FONT> of representations, to the extent they purport to indemnify any party against, or release or limit any party&#146;s liability for, its own breach or failure to comply with statutory obligations, or to
the extent such provisions are contrary to public policy; (iv)&nbsp;provisions for liquidated damages and penalties, penalty interest and interest on interest; (v)&nbsp;provisions purporting to supersede equitable principles, including provisions
requiring amendments and waivers to be in writing and provisions making notices effective even if not actually received; (vi)&nbsp;provisions purporting to make a party&#146;s determination conclusive or (vii)&nbsp;exclusive jurisdiction or venue
provisions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We are members of the bar of the State of New York. We do not express any opinion herein on any laws other than the law of
the State of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We hereby consent to the filing of this opinion as Exhibit 5.1 to the Company&#146;s Current Report on Form <FONT
STYLE="white-space:nowrap">8-K</FONT> filed on the date hereof and incorporated by reference into the Registration Statement. We also hereby consent to the reference to our firm under the heading &#147;Legal Matters&#148; in the prospectus
constituting part of the Registration Statement. In giving such consent, we do not thereby admit that we are in the category of persons whose consent is required under Section&nbsp;7 of the Securities Act or the rules and regulations of the
Commission. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">/s/ Covington&nbsp;&amp; Burling LLP</TD></TR>
</TABLE></DIV>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.2
<SEQUENCE>6
<FILENAME>d147793dex52.htm
<DESCRIPTION>EX-5.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-5.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 5.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">May&nbsp;28, 2021 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Valley National Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1455 Valley Road </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Wayne, New Jersey 07470 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I am Senior Executive
Vice President, General Counsel and Corporate Secretary of Valley National Bancorp, a New Jersey corporation (the &#147;<I>Company&#148;). I have acted in such capacity in connection with the issuance and sale by the Company under the Securities Act
of 1933, as amended (the &#147;Securities Act&#148;), of $300,000,000 in aggregate principal amount of the Company&#146;s 3.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes
due 2031 (the &#147;Notes&#148;) pursuant to (i)&nbsp;a Registration Statement on Form <FONT STYLE="white-space:nowrap">S-3,</FONT> Registration <FONT STYLE="white-space:nowrap">No.&nbsp;333-254696,</FONT> which was filed with the Securities and
Exchange Commission (the &#147;Commission&#148;) on March&nbsp;25, 2021 and became automatically effective on March&nbsp;25, 2021 (the &#147;Registration Statement&#148;), including the related prospectus therein, (ii)&nbsp;a preliminary prospectus
supplement dated May&nbsp;25, 2021, filed with the Commission pursuant to Rule 424(b) promulgated under the Securities Act, and (iii)&nbsp;a prospectus supplement dated May&nbsp;25, 2021, filed with the Commission pursuant to Rule 424(b). The Notes
are being sold pursuant to the Underwriting Agreement, dated May&nbsp;25, 2021, among Piper Sandler&nbsp;&amp; Co. and BofA Securities, Inc., as representatives of the underwriters named therein, the Company and Valley National Bank (the
&#147;Underwriting Agreement&#148;), and issued pursuant to the Indenture, dated May&nbsp;28, 2021 (the &#147;Base Indenture&#148;), between the Company and U.S. Bank National Association (the &#147;Trustee&#148;), as supplemented by that certain
First Supplemental Indenture, dated May&nbsp;28, 2021, between the Company and the Trustee (the &#147;Supplemental Indenture&#148; and, together with the Base Indenture, the &#147;Indenture&#148;). </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This opinion is being furnished in connection with the requirements of Item 601(b)(5) of Regulation
<FONT STYLE="white-space:nowrap">S-K</FONT> under the Act, and no opinion is expressed herein as to any matter pertaining to the contents of the Registration Statement or related prospectus, other than as expressly stated herein with respect to the
issue of the Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I have also reviewed such corporate records, certificates and other documents, and such questions of law, as I have
deemed necessary or appropriate for the purpose of this opinion. I have assumed that all signatures are genuine, that all documents submitted to me as originals are authentic and that all copies of documents submitted to me conform to the originals.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based upon the foregoing, I am of the opinion that, as of the date hereof: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) &nbsp;&nbsp;&nbsp;&nbsp;The Company has been duly incorporated and is validly existing and in good standing as a corporation under the
laws of the State of New Jersey and is duly registered as a bank holding company under the Bank Holding Company Act of 1956, as amended. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) &nbsp;&nbsp;&nbsp;&nbsp;Each of the Underwriting Agreement and the Indenture has been
duly authorized, executed, and delivered by the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;The Company has duly authorized the issuance of the
Notes and has full corporate power and authority to issue the Notes, and to perform its obligations under the Notes, the Indenture, and the Underwriting Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">My opinions are subject to: (i)&nbsp;the effect of bankruptcy, insolvency, reorganization, preference, fraudulent transfer, moratorium or
other similar laws relating to or affecting the rights and remedies of creditors; (ii)&nbsp;the effect of general principles of equity, whether considered in a proceeding in equity or at law (including the possible unavailability of specific
performance or injunctive relief), concepts of materiality, reasonableness, good faith and fair dealing, and the discretion of the court before which a proceeding is brought; and (iii)&nbsp;the invalidity under certain circumstances under law or
court decisions of provisions providing for the indemnification of or contribution to a party with respect to a liability where such indemnification or contribution is contrary to public policy. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing opinions are limited to the federal laws of the United States and the laws of the State of New Jersey. I express no opinion as
to the effect of the laws of any other jurisdiction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I hereby consent that Covington&nbsp;&amp; Burling LLP may rely upon this opinion as
if it were addressed to such firm. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I hereby consent to the filing of this opinion as Exhibit 5.2 to the Company&#146;s Current Report on
Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed on the date hereof and incorporated by reference into the Registration Statement. I also hereby consent to the reference to me under the heading &#147;Legal Matters&#148; in the Prospectus
constituting part of the Registration Statement. In giving such consent, I do not hereby concede that I are within the category of persons whose consent is required under Section&nbsp;7 of the Securities Act of 1933, as amended, or the rules and
regulations of the SEC thereunder. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="33%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="97%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Very truly yours,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">/s/ Ronald H. Janis</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Ronald H. Janis, Esq.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Senior Executive Vice President,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">General Counsel and Corporate Secretary</TD></TR>
</TABLE></DIV>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>7
<FILENAME>d147793dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g147793143.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="32%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="6%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="56%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>FOR IMMEDIATE RELEASE</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Contact:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Valley National Bancorp</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Michael Hagedorn</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Senior Executive Vice President and Chief Financial Officer</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><B><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">973-872-4885</FONT></FONT></B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VALLEY NATIONAL BANCORP ANNOUNCES PRICING OF SUBORDINATED NOTES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>New York, N.Y. &#150; May</B><B><U></U></B>&nbsp;<B>25, 2021</B> &#150; Valley National Bancorp (NASDAQ:VLY) (&#147;Valley&#148;) announced today that it
priced $300 million of its 3.00% Fixed-to-Floating Rate Notes due 2031 (the &#147;Notes&#148;). Interest on the Notes will accrue at a rate equal to (i) 3.00% per annum from the original issue date to, but excluding, June 15, 2026, payable
semiannually in arrears, and (ii) a floating rate per annum equal to a benchmark rate, which is expected to be Three-Month Term SOFR (as defined in the Notes), plus a spread of 236 basis points from, and including, June 15, 2026, payable quarterly
in arrears. The Notes are intended to qualify as Tier 2 capital for regulatory purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Valley intends to use the net proceeds from the offering of the
Notes for general corporate purposes and investments in Valley National Bank as regulatory capital. The offering is expected to close on May 28, 2021, subject to customary closing conditions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Piper Sandler<U></U> &amp; Co. and BofA Securities, Inc. are acting as joint book-running managers for the Notes offering. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The offering of the Notes is being made pursuant to an effective shelf registration statement (File No. 333-254696) (including base prospectus), a preliminary
prospectus supplement filed with the Securities and Exchange Commission (the &#147;SEC&#148;), and a final prospectus supplement to be filed with the SEC. This press release shall not constitute an offer to sell or the solicitation of an offer to
buy, nor shall there be any sale of the Notes in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Copies of the preliminary prospectus supplement and accompanying base prospectus relating to the Notes offering can be obtained without charge by visiting the
SEC&#146;s website at www.sec.gov, or may be obtained by emailing Piper Sandler &amp; Co. at fsg-dcm@psc.com or calling BofA Securities, Inc. toll free at (800) <FONT STYLE="white-space:nowrap">294-1322.</FONT> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>About Valley </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As the principal subsidiary of Valley
National Bancorp, Valley National Bank is a regional bank with approximately $41 billion in assets. Valley is committed to giving people and businesses the power to succeed. Valley operates many convenient branch locations across New Jersey, New
York, Florida and Alabama, and is committed to providing the most convenient service, the latest innovations and an experienced and knowledgeable team dedicated to meeting customer needs. Helping communities grow and prosper is the heart of
Valley&#146;s corporate citizenship philosophy. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g147793143.jpg" ALT="LOGO">
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Forward-Looking Statements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The foregoing contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are not
historical facts and include expressions about management&#146;s confidence and strategies and management&#146;s expectations about opportunities, market conditions and economic expectations. These statements may be identified by such
forward-looking terminology as &#147;should,&#148; &#147;expect,&#148; &#147;believe,&#148; &#147;view,&#148; &#147;opportunity,&#148; &#147;allow,&#148; &#147;continues,&#148; &#147;reflects,&#148; &#147;typically,&#148; &#147;usually,&#148;
&#147;anticipate,&#148; or similar statements or variations of such terms. Such forward-looking statements involve certain risks and uncertainties. Actual results may differ materially from such forward-looking statements. Factors that may cause
actual results to differ materially from those contemplated by such forward-looking statements include, but are not limited to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the continued impact of COVID-19 on the U.S. and global economies, including business disruptions, reductions in
employment and an increase in business failures, specifically among our clients; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the continued impact of COVID-19 on our employees and our ability to provide services to our customers and
respond to their needs as more cases of <FONT STYLE="white-space:nowrap">COVID-19</FONT> may arise in our primary markets; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">potential judgments, claims, damages, penalties, fines and reputational damage resulting from pending or future
litigation and regulatory and government actions, including as a result of our participation in and execution of government programs related to the COVID-19 pandemic or as a result of our action, or failure to implement or effectively implement,
federal, state and local laws, rules or executive orders requiring that we grant forbearances or not act to collect our loans; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the impact of forbearances or deferrals we are required or agree to as a result of customer requests and/or
government actions, including, but not limited to our potential inability to recover fully deferred payments from the borrower or the collateral; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the risks related to the discontinuation of the London Interbank Offered Rate and other reference rates,
including increased expenses and litigation and the effectiveness of hedging strategies; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">damage verdicts or settlements or restrictions related to existing or potential class action litigation or
individual litigation arising from claims of violations of laws or regulations, contractual claims, breach of fiduciary responsibility, negligence, fraud, environmental laws, patent or trademark infringement, employment related claims, and other
matters; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a prolonged downturn in the economy, mainly in New Jersey, New York, Florida and Alabama, as well as an
unexpected decline in commercial real estate values within our market areas; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">higher or lower than expected income tax expense or tax rates, including increases or decreases resulting from
changes in uncertain tax position liabilities, tax laws, regulations and case law; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the inability to grow customer deposits to keep pace with loan growth; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a material change in our allowance for credit losses under CECL due to forecasted economic conditions and/or
unexpected credit deterioration in our loan and investment portfolios; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the need to supplement debt or equity capital to maintain or exceed internal capital thresholds;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">greater than expected technology related costs due to, among other factors, prolonged or failed implementations,
additional project staffing and obsolescence caused by continuous and rapid market innovations; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the loss of or decrease in lower-cost funding sources within our deposit base, including our inability to achieve
deposit retention targets under Valley&#146;s branch transformation strategy; </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g147793143.jpg" ALT="LOGO">
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">cyber-attacks, computer viruses or other malware that may breach the security of our websites or other systems to
obtain unauthorized access to confidential information, destroy data, disable or degrade service, or sabotage our systems; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">results of examinations by the Office of the Comptroller of the Currency, the Federal Reserve Bank, the Consumer
Financial Protection Bureau and other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our allowance for credit losses, write-down assets, reimburse customers,
change the way we do business, or limit or eliminate certain other banking activities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">our inability or determination not to pay dividends at current levels, or at all, because of inadequate earnings,
regulatory restrictions or limitations, changes in our capital requirements or a decision to increase capital by retaining more earnings; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">unanticipated loan delinquencies, loss of collateral, decreased service revenues, and other potential negative
effects on our business caused by severe weather, the COVID-19 pandemic or other external events; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">unexpected significant declines in the loan portfolio due to the lack of economic expansion, increased
competition, large prepayments, changes in regulatory lending guidance or other factors; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the failure of other financial institutions with whom we have trading, clearing, counterparty and other financial
relationships. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A detailed discussion of factors that could affect our results is included in our SEC filings, including the &#147;Risk
Factors&#148; sections of our Annual Report on Form 10-K for the year ended December&nbsp;31, 2020. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We undertake no duty to update any forward-looking
statement to conform the statement to actual results or changes in our expectations. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity,
performance or achievements. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>8
<FILENAME>vlypo-20210525.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-8 Build:20210114.4 -->
<!-- Creation date: 5/28/2021 9:33:37 PM Eastern Time -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2020-01-31"
  xmlns:vlypo="http://imetrix.edgar-online.com/20210525"
  xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31"
  xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://imetrix.edgar-online.com/20210525"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2020-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2011-01-31" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd" namespace="http://fasb.org/us-gaap/2020-01-31" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd" namespace="http://fasb.org/us-types/2020-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vlypo-20210525_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vlypo-20210525_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vlypo-20210525_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="vlypo_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="vlypo_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>9
<FILENAME>vlypo-20210525_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-8 Build:20210114.4 -->
<!-- Creation date: 5/28/2021 9:33:40 PM Eastern Time -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef roleURI="http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="vlypo-20210525.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="vlypo-20210525.xsd#vlypo_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="vlypo_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="vlypo-20210525.xsd#vlypo_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="vlypo_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesAPreferredStockMember" xlink:type="locator" xlink:label="us-gaap_SeriesAPreferredStockMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesBPreferredStockMember" xlink:type="locator" xlink:label="us-gaap_SeriesBPreferredStockMember" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="vlypo_DocumentAndEntityInformationTable" order="1" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="vlypo_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="23.0001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_SeriesAPreferredStockMember" order="25" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_SeriesBPreferredStockMember" order="26" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="28.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="29.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="35.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="36.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="37.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="38.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="39.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="40.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="41.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="42.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="43.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="44.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="45.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="46.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="47.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="48.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="49.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="50.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="51.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="52.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="53.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="54.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>10
<FILENAME>vlypo-20210525_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-8 Build:20210114.4 -->
<!-- Creation date: 5/28/2021 9:33:37 PM Eastern Time -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="vlypo-20210525.xsd#vlypo_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="vlypo_DocumentAndEntityInformationTable" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="vlypo_DocumentAndEntityInformationTable" xlink:to="vlypo_DocumentAndEntityInformationTable_lbl" />
    <link:label xml:lang="en-US" xlink:label="vlypo_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Table]</link:label>
    <link:label xml:lang="en-US" xlink:label="vlypo_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Table]</link:label>
    <link:loc xlink:href="vlypo-20210525.xsd#vlypo_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="vlypo_DocumentAndEntityInformationLineItems" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="vlypo_DocumentAndEntityInformationLineItems_lbl" />
    <link:label xml:lang="en-US" xlink:label="vlypo_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Line Items]</link:label>
    <link:label xml:lang="en-US" xlink:label="vlypo_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Line Items]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Axis]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Axis]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Domain]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Domain]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Common Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Common Stock [Member]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesAPreferredStockMember" xlink:type="locator" xlink:label="us-gaap_SeriesAPreferredStockMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeriesAPreferredStockMember" xlink:to="us-gaap_SeriesAPreferredStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_SeriesAPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Series A Preferred Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_SeriesAPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Series A Preferred Stock [Member]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesBPreferredStockMember" xlink:type="locator" xlink:label="us-gaap_SeriesBPreferredStockMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeriesBPreferredStockMember" xlink:to="us-gaap_SeriesBPreferredStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_SeriesBPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Series B Preferred Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_SeriesBPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Series B Preferred Stock [Member]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>11
<FILENAME>vlypo-20210525_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-8 Build:20210114.4 -->
<!-- Creation date: 5/28/2021 9:33:38 PM Eastern Time -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="vlypo-20210525.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="vlypo-20210525.xsd#vlypo_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="vlypo_DocumentAndEntityInformationTable" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="vlypo_DocumentAndEntityInformationTable" order="21" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="vlypo-20210525.xsd#vlypo_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="vlypo_DocumentAndEntityInformationLineItems" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationTable" xlink:to="vlypo_DocumentAndEntityInformationLineItems" order="22" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesAPreferredStockMember" xlink:type="locator" xlink:label="us-gaap_SeriesAPreferredStockMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_SeriesAPreferredStockMember" order="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesBPreferredStockMember" xlink:type="locator" xlink:label="us-gaap_SeriesBPreferredStockMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_SeriesBPreferredStockMember" order="26" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="46.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="47.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="48.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="49.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="50.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="51.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="52.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="53.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vlypo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="54.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>g147793143.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g147793143.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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M6TMO,@>*5"CJ>X(P17(M#KW/(/A5-/X5\::[X'O&)57,]L3WQCG_ ($A4_\
M 3756]Z*FCFH^Y)P9T7QB\0MHG@>6U@8BYU)OLRXZA",N?RX_P"!5%"/-*_8
MNM+EC8O>%DTGP!X*TS3]6O[2QG\OS)1-*J%I&Y;&>N.GX5,[U)-H<+4XI,ZF
MQU*QU2#S]/O8+N'.-\$@=<_45FTUN:)I['@W@K_DAWC#_KH?_04KLJ?Q8G'#
M^%(]4^&!"_#31"3@"%LD_P"^U<]7XV=-+X$;4'B?0+F\%I;ZYI\MR3@1)=(6
M)], YJ.225[%<T7I<O->VD=VEH]S"MRXRL1<!R/8=>Q_*E9[CNMB2::*WA:6
M>5(HE&6=V  ^I-(>PRWNK>\C\RUGCGCSC=&X89^HIM6W$G?8FI#,C77C\F)"
M,R9R/85\KQ).E[.$'\5[KR77[SMP:=V^AAJ"S *,D\ "OBXQ<FHQW/1>FYU]
MNLB6\:RG+A1D^]?JV%C4A0A&J[R25SQ)M.3<=CC_ (AS6@L+:%UW79?=&1U5
M>_Y\?Y%=E.YA4M8\\52S!5!)/  [UJ8GMNF1W$6EVL=V^^X6-0Y]\5SO?0Z5
MHM3RSXJVLOASQ7H'CBT!'DRK!=;>XYQ^:EU_*NBB^:+@SGJKEDIHBU7;X]^-
M5A8Q2";2M$B6=RIRK-PWZDHI]E--?NZ3?5@_?J)=$1>(]6^&T'CB_N;S3;_6
M]0("3)"GFQ1,O!P&8<]!W QQCFB,:G*DG84G34KM7,_X=:E8GXPW<>@VMQI^
ME7EL<VDZ[2"%!SC)[Y(YZ$U55/V?O;BI->T]W8I^"O\ DAWC#_KH?_04IU/X
ML28?PI%;7M>EM_AGX-T 736MG?(SWDJ D^6),8P.HY)QWP*<8^_*02E:$8ES
M5KKX0W/AV2QL5FMKM8_W-R(9"^\="Q/4$]?KQBDE63NQMTK616:\U#5_AQI/
MC)7:35O#E]]G>8GYI(@59=Q[X+*/H3FG91FX=&*[<%/JCJ_B3XB'BG2_#?A[
M19BS:\Z3.%ZK%GC=[;LD_P#7,UE2CR-R?0TJRYDHKJ>IZ9IEIH^G06-E$L4$
M**B@#DX &3ZG '-<[;;NSH2459%ND,PM;MF69;@$E6&T^QKXGB+"2C56(6ST
M]'_P?\ST<)-./(06 @M()]4O9!%:VR%V=N@ &2?P%'#V =6I]8FM%MZ_\#\_
M0,75Y8\J/"]9^,WBNYUF[ETK4?LE@TA\B$V\3%4Z#)*DY/4\]Z_18T():H^?
ME7E?0YR_\=^)=3NC<WFIF64@#)AC' ]@N!5JE!;(AU)/=GI'P=TG4O$&I2>(
M-5G:2SLFVP1D *\N/O8'!VC]2/2L*S45RHWHIR?,SW.N0ZS"\9:"GB7PEJ.E
M,N9)8B8CZ2#E3^8'X9JX2Y9)D3CS1:.3^#O@^Z\,Z%=W6IVK0:C>2X*/U6-?
MNC\26/Y5I7FI.R,Z,'%79S7A!/$7PSNM4T^?PC>ZL+B8&.\M%+;P.!D@' /7
MGIDUI/EJV=[$0YJ5U:YH>&M+\3WGQA?Q)J^B26-O/;D ;@RQC8 JD]SQS[U,
MG%4^5,<5)U.9HI>%/"FO67PC\3Z7<Z9/%?7+DPPL!N?Y5Z?D:J<XNHFF*$)*
MFU8M7?P\U?4OAOX;:UC^S>(='!>.*4@9^?.WTSD*1GC\Z2JI3=]F-TVX*VZ+
M<GC'Q7-8_8K;X=7$>L$;3+)%_HX/=@2 #],_B:7)!._-H/GE:RCJ>A-9)>>&
M9+75;>&W%Q;%;N.(_(I*X;!]N>:PO:5T;6O&S/(/@9X=\[4KW7Y29;>S!M;-
MV&.2<L0.W!_\?-=6(E9<IS4(Z\Q[G7&=84 1SPI/"T3CY6&/I6&(H0Q%*5*>
MS*A)PDI(YSQAX4N/$WAL:)::K_9T#,#*P@\PR*.=OWACG!_"M<)3AA81A!:(
MSK7JWNSS?_AGG_J:/_)#_P"V5V_6?(YOJWF6+/\ 9\M([A6O?$,L\(/*16PC
M8_B6;^5)XE]$-8==6>MZ7I=GHNF6^G:? L%K NU$7M[GU)ZD]ZYFVW=G2DHJ
MR+E(84 % !0 4 % !0 4 >2^//%?B*_\077@/2=/BB>]"HETTH!,94%^.W<>
MN.V:Z:<(I<[9S5)R;Y$>A^&/#]MX7\.V>D6IW) OS.1@NQY9OQ)/\JPG)R=V
M;PBHJR->I*"@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "
:@ H * "@ H * "@ H * "@ H * "@ H _]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>g14779353.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g14779353.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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M?\-#?]2O_P"3_P#]KH^K>8?6?(5?VA5W#=X8('<B^S_[3H^K>8?6?([#PO\
M%WPWXDN8[-VDT^\<X2.YQM<^BL.,_7%93HRCJ:PK1EH=]6)L% !0 4 % !0
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MK/#=33$]"]\ /^17U3_K\_\ 9!4XGXD/#_"SURN8Z0H * "@ H * "@ H *
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M1LQU)<\M#Z:\+:'%X:\,V&D18/V>(!V'\3GEC^))KSYRYI-G?"/+%(UZDH*
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M /0!D_[_ $?_ ,577[:'<Y?8S[!_PJGQO_T 9/\ O]'_ /%4>VAW#V,^P?\
M"J?&_P#T 9/^_P!'_P#%4>VAW#V,^PJ_";QP[!1H3CZSQ#_V:CVT.X>QGV.P
M\+_ F^EN8Y_$ES'!;J<FV@;<[^Q;HH^F?PK*>(7V32&'?VCW2UM8+&TBM;6)
M8;>%0D<:# 4#H!7(W?5G6E;1$U(84 % !0 4 % !0 4 % !0 4 % !0 4 %
M!0 4 % %74K^'2M+NM0N3B&VB:5_HHS32N[(3=E<\VU?XX^'H] >?2O.FU-T
MQ';R1%1&WJQZ$#V)S^M;QP\KZ[&#KQMIN>6_#KPS<>-_&PFO=TUK"_VF]D;G
M><YVGW8_IFNFK/DCH<]*//+4^I>E><>@% !0 4 % !0 4 % !0 4 % !0 4
M% !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % &3XFT&/Q-X>N]'EN
M9;:.Y4 R18R,$'OVXYJH2Y7<F4>96/)Q^SR,\^*./^O'_P"V5T_6?(YOJWF>
MJ>%O"VF^$='33M-C(7.Z21^7E;^\37/.;F[LZ(04%9&U4%A0 4 % !0 4 %
M!0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4
.. % !0 4 % !0 4 ?_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>g147793sp142.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g147793sp142.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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I@4$$*P]AQGV[4 >HT % !0 4 % !0 4 % !0 4 % !0 4 % !0!__]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>d147793d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="vlypo-20210525.xsd" xlink:type="simple"/>
    <context id="duration_2021-05-25_to_2021-05-25">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000714310</identifier>
        </entity>
        <period>
            <startDate>2021-05-25</startDate>
            <endDate>2021-05-25</endDate>
        </period>
    </context>
    <context id="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000714310</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-05-25</startDate>
            <endDate>2021-05-25</endDate>
        </period>
    </context>
    <context id="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesAPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000714310</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesAPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-05-25</startDate>
            <endDate>2021-05-25</endDate>
        </period>
    </context>
    <context id="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesBPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000714310</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-05-25</startDate>
            <endDate>2021-05-25</endDate>
        </period>
    </context>
    <dei:AmendmentFlag contextRef="duration_2021-05-25_to_2021-05-25">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2021-05-25_to_2021-05-25"
      id="Hidden_dei_EntityCentralIndexKey">0000714310</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2021-05-25_to_2021-05-25">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2021-05-25_to_2021-05-25">2021-05-25</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="duration_2021-05-25_to_2021-05-25">VALLEY NATIONAL BANCORP</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2021-05-25_to_2021-05-25">NJ</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2021-05-25_to_2021-05-25">1-11277</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2021-05-25_to_2021-05-25">22-2477875</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2021-05-25_to_2021-05-25">One Penn Plaza</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2021-05-25_to_2021-05-25">New York</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2021-05-25_to_2021-05-25">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2021-05-25_to_2021-05-25">10119</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2021-05-25_to_2021-05-25">(973)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2021-05-25_to_2021-05-25">305-8800</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2021-05-25_to_2021-05-25">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2021-05-25_to_2021-05-25">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2021-05-25_to_2021-05-25">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2021-05-25_to_2021-05-25">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common Stock, no par value</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">VLY</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">NASDAQ</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesAPreferredStockMember">Non-Cumulative Perpetual Preferred Stock, Series A, no par value</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesAPreferredStockMember">VLYPP</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesAPreferredStockMember">NASDAQ</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesBPreferredStockMember">Non-Cumulative Perpetual Preferred Stock, Series B, no par value</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesBPreferredStockMember">VLYPO</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2021-05-25_to_2021-05-25_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesBPreferredStockMember">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2021-05-25_to_2021-05-25">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>16
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140036974931528">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>May 25, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_vlypo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000714310<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">May 25,  2021<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">VALLEY NATIONAL BANCORP<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">NJ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-11277<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">22-2477875<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">One Penn Plaza<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">New York<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">10119<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(973)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">305-8800<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_vlypo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, no par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">VLY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember', window );">Series A Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_vlypo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Non-Cumulative Perpetual Preferred Stock, Series A, no par value<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">VLYPP<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_vlypo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Non-Cumulative Perpetual Preferred Stock, Series B, no par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">VLYPO<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_vlypo_DocumentAndEntityInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">vlypo_DocumentAndEntityInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>vlypo_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>17
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
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M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
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M=>Y!L/?P&HT=S8\?M_P!4$L#!!0    ( $)MO%(D'INBK0   /@!   :
M>&PO7W)E;',O=V]R:V)O;VLN>&UL+G)E;'.UD3T.@S ,A:\2Y0 U4*E#!4Q=
M6"LN$ 7S(Q(2Q:X*MR^% 9 Z=&&RGBU_[\E.GV@4=VZ@MO,D1FL&RF3+[.\
MI%NTBB[.XS!/:A>LXEF&!KS2O6H0DBBZ0=@S9)[NF:*<//Y#='7=:7PX_;(X
M\ \PO%WHJ45D*4H5&N1,PFBV-L%2XLM,EJ*H,AF**I9P6B#BR2!M:59]L$].
MM.=Y%S?W1:[-XPFNWPQP>'3^ 5!+ P04    " !";;Q299!YDAD!  #/ P
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M<' N>&UL4$L! A0#%     @ 0FV\4E4B*VWO    *P(  !$
M ( !KP   &1O8U!R;W!S+V-O<F4N>&UL4$L! A0#%     @ 0FV\4IE<G",0
M!@  G"<  !,              ( !S0$  'AL+W1H96UE+W1H96UE,2YX;6Q0
M2P$"% ,4    " !";;Q27 H3(.($  "5%@  &               @($."
M>&PO=V]R:W-H965T<R]S:&5E=#$N>&UL4$L! A0#%     @ 0FV\4I^@&_"Q
M @  X@P   T              ( !)@T  'AL+W-T>6QE<RYX;6Q02P$"% ,4
M    " !";;Q2EXJ[',     3 @  "P              @ $"$   7W)E;',O
M+G)E;'-02P$"% ,4    " !";;Q2'#AEZC\!   \ @  #P
M@ 'K$   >&PO=V]R:V)O;VLN>&UL4$L! A0#%     @ 0FV\4B0>FZ*M
M^ $  !H              ( !5Q(  'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR
M96QS4$L! A0#%     @ 0FV\4F60>9(9 0  SP,  !,              ( !
M/!,  %M#;VYT96YT7U1Y<&5S72YX;6Q02P4&      D "0 ^ @  AA0

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>19
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>20
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.21.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>4</ContextCount>
  <ElementCount>96</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>3</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d147793d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="d147793d8k.htm">d147793d8k.htm</File>
    <File>d147793dex11.htm</File>
    <File>d147793dex41.htm</File>
    <File>d147793dex42.htm</File>
    <File>d147793dex51.htm</File>
    <File>d147793dex52.htm</File>
    <File>d147793dex991.htm</File>
    <File>vlypo-20210525.xsd</File>
    <File>vlypo-20210525_def.xml</File>
    <File>vlypo-20210525_lab.xml</File>
    <File>vlypo-20210525_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2020-01-31</BaseTaxonomy>
    <BaseTaxonomy>http://fasb.org/us-gaap/2020-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>22
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d147793d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "contextCount": 4,
   "dts": {
    "definitionLink": {
     "local": [
      "vlypo-20210525_def.xml"
     ],
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-eedm-def-2020-01-31.xml",
      "http://xbrl.fasb.org/srt/2020/elts/srt-eedm1-def-2020-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "d147793d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "vlypo-20210525_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-doc-2020-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "vlypo-20210525_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-ref-2020-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "vlypo-20210525.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd",
      "https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 30,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2020-01-31": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 96,
   "memberCustom": 0,
   "memberStandard": 3,
   "nsprefix": "vlypo",
   "nsuri": "http://imetrix.edgar-online.com/20210525",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d147793d8k.htm",
      "contextRef": "duration_2021-05-25_to_2021-05-25",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "role": "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d147793d8k.htm",
      "contextRef": "duration_2021-05-25_to_2021-05-25",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 3,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "us-gaap_ClassOfStockDomain": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Domain]",
        "terseLabel": "Class of Stock [Domain]"
       }
      }
     },
     "localname": "ClassOfStockDomain",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_CommonStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Common Stock [Member]",
        "terseLabel": "Common Stock [Member]"
       }
      }
     },
     "localname": "CommonStockMember",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_SeriesAPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Series A Preferred Stock [Member]",
        "terseLabel": "Series A Preferred Stock [Member]"
       }
      }
     },
     "localname": "SeriesAPreferredStockMember",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_SeriesBPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Series B Preferred Stock [Member]",
        "terseLabel": "Series B Preferred Stock [Member]"
       }
      }
     },
     "localname": "SeriesBPreferredStockMember",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_StatementClassOfStockAxis": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Axis]",
        "terseLabel": "Class of Stock [Axis]"
       }
      }
     },
     "localname": "StatementClassOfStockAxis",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "vlypo_DocumentAndEntityInformationLineItems": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Line Items]",
        "terseLabel": "Document And Entity Information [Line Items]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationLineItems",
     "nsuri": "http://imetrix.edgar-online.com/20210525",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "vlypo_DocumentAndEntityInformationTable": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Table]",
        "terseLabel": "Document And Entity Information [Table]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationTable",
     "nsuri": "http://imetrix.edgar-online.com/20210525",
     "presentation": [
      "http://imetrix.edgar-online.com//20210525/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>23
<FILENAME>0001193125-21-176644-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-21-176644-xbrl.zip
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M9]>?5BWY@CIRX(H1]8&+L*>#0KE2J!PF.BD CZ0ZBGAF63_'"::0W,QF/"C
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MLC$D"]Z$__0[>U<8'3="HB]C-5T\TF"OLSXX*_5=:P)O8/UHG_\_4$L#!!0
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MLYC@V'NI^RCIGBA_ZQG74S$36\+7X".RHG?J-]T6C@U1U7VIX,1@=&(8HJH
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M#_NWDE(GFM9SUP_=<A@8*[9I*FJ[!HL!&P[9ULZW3W/#]"1F[%0X5<XRS@Z
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M^QF8BU(?1K9.'&7>L?80KGF*.)V% EB66#R'\6AVV.S[D!)($9O.WC$QL9*
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MN*42*47R'#]@L R(QGR9T)&XS4'S&C;Y\SQQ6LNIE_0C>_,H&X5P7:N<8X;
MHN:0]*#D3IW" \'FU[<:[CO^'NZ[S7#?1582:A<[PA9JU8&33F!)E>VX&4^Z
M$BKQBV)3NA()B4$+6D,$_X56;[Y+:_%5-=M_IKP0TH?F^*<?'\8F7QL[([]L
M%(VXQL,8ZB-.Q;1V<1V78VADX)QO0% 4XQ/L<WM(WLT;J$V8!J[?9GGN&8!Y
M#+>K+>X"<F!?Z_>MNTD#]!R9G8X^L=H@0ZF_=-'.P9B&F#B(H9#D$1:"D#6
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MTAVQ!Z_5;Z1[L1M-O8)0$IQ#W3FY:C!Q1$Y--UZP4Q^X"$VI]S\!HB0Q/$O
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M>.MP;D(O$ZXV%_P_-PHI9F5#-$+8]6L>1]) $]$*^V@KHT=I./B *6520/7
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M>6B\W5(52].&R$0L@H61/>^V"!*]-':H=<6I1#,&I7+< H3_G$8N;/H4W-Z
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M'W-%O4THH7QRGN:]&B?-SS4?I0 1YXP[1SSAGG@I>E-E\(HUOP*;J?C28\N
M]<7/=SG<IJ"<)F#[W'OS<9F2!NJ(?W<TAT8X:B/LEBRMK]TK-[0>K;=^A76I
M!@4H^=B5"N""/GSE*N<.YO,(41?115*N*#'0M@*$=MA6-E)9,^B:U3IFZBDR
MI#(8*$A1G7QL4B)28^"TXFL?1#!9LMI0D@6,U%)1(#]LP-PD[@HU*Z415<#D
MSM^Q]?V'T0E5,3*[AQ)($7USXZ[U+9!#EF>%@A*N'E9+Z@[F*?9#519*YHP0
MIF'#)UB)$;G8U'2GX,9@ E657]##B&&52"2<U%6!K2@T8=.((*#@ID12#W-8
M)E<4 :'Q,$*>!RI^=.N=\IK#Z#3G2XYBJUTE',ARPO:%IZCDZHRJLRBS74^-
M.7W]AC-R#--_[Z**.N,^%A>I>XC)!7E",O?D; $W-H/-.Y]ZD<SY&[BS7^'4
MUL-J'P8%K_P@1_</[':@Y*<B4@$>MWE5CD<"9>5.8W192E9+(:ZQQE="QN;<
M@%DCC$0:@T'>H V):C?*6.%^]),474C10;0LS@LZ&63H\)F]2J?8ST19[&+I
M_6=RKG90>OT(FIFJ?M2Z<, JPEN.1P.(RR*_Q[%/;0NNC)IM_O0@>/H*)@:W
M9="2+RP/Q8_+I[S*($Y?29XW9\"I]"F>@"F<>U1XT3GVR1$D!&H9LOI3O<&W
MBL!,*C$>\9'"+P]>]:'TA/V2,KP9DF'/J_*Z(%OQ#>6%L3 0N_2<>#W2;"UD
MZ@09U/$-M[O]Z7OL[E-B=XSU("B+: [+YT+H'JE9Y+^&#2=:'AH1A]I*R3Z\
M0U ?U R_3<+Z.[G[M-A.@_]X\L>C>08'W=$4,9HD>-Q!O\>(W:QB5E.QZW%-
MI@)J"G;@UTJQS!]>@R6 Y1B^\409I>@,+K&4 Y0[Z-E<--L:BZ+^M<DNP<+"
MN@+IXKHSG0\BL@O;?OQ#<N]X<G&@JM:#Z"V"*@Y#(;!4JMV-:N-N27D.=SZ7
MK%F]'2MGNCBLG8$[__(V[Z]'?0ME1SJM+=P\O/BP@:_8MBU0"QJ^AI](IIEH
M](O3U9=80L<,9F2GA2_K?_A$FB<AN+D97"7;->"QZN)8]P_;@0W]W-TG'N[J
M/F'8]UZPFUK=Q;YX?FQX9;W@2IVD\CWJ0"<LBZM6*V)*]=JVM+M(R<J4D2G4
MVU:N_? C\ ,"\#+J%M.A]=!V;UB!ZR2;LZ,KTT!'C<J:7(5\V,6WL\=QU&1#
M]MZ>RS.RED60H;AVV'#.Y79]V7W=@.9:^DD#<?9=IPU.@NX!5]YYO0)1F]D<
M'NO<M&]L><=!7=M Y9\T@^K /E@ZJ2X4\?Y5;/K)65&1=\9->!5C:\Q[ZRN;
M<##:%>>%(>8.9DJT3ACR+8A+-NM?/8<&:OOE(45@9[HVC!RX"XU\6#=%BCVX
M:T0]6Q!X4KS4)$Z#CV8\Y CV-D_JYLQU&3I:H53& '?6%%N(!]Q,#3=)RL]C
MC0DD(K+CD>3BYLC*22^Q[]C5%$ "%(U*M%OHW/=@<GX0=/RPI\_SF:J(&L:-
M_F5IE."'K9X:Q'^U*X470L8N<OZ;'U/\G:LW/-N4E^G6BU.K<4,TV:P9<&F(
MF_[W\5%\='1TX,/4;N9.G\+'5LD']6.LM-]F5@QE)NL23#L./C\22/917DQH
MFB!O@!CL>Q3^06+2[;GOWG7]:L^FGM)-O2G]LVUN 69JIRK:K6. 'B[J@22J
MLB)O>]-AX"JR!N)53& Z89C4R?L&C.&.M.Z,(5B&.,]Y8"GBW+";&EH.K$:J
MX-$>BULMX9;F:8,7L 9'!-N;]>TZV0U+UCB<#^@]4/X5P0J1*W&9+NGQRV)^
MCI-M+GBSA2$K-VX_W=H5?];$AY(!^L.$.TLSR,I9F2SX.(@%C-<  K=9*V+\
MLN[C#@UFQ>(3'!6CRXSQ$]],L=7%3KV&@XKER0AZQMOUY>GK=R<4!?/86UFO
MH*:B.PJ.U])'F=*@-)5T#CHJ-. )'\V:N (9(WX:B@[DJ_$2K&\3%=PT"2<?
M=QS:R3Y,BLDJ.3<Y0A<#UIN^8_N7Z3E8B>QWD>>,\>-E1GG1>GO0O4X84UD9
M(BC]+E>'FUT(^H38'$(@ &1R<TO-"*,V/J;0Z(G>JC"#>[W [ ?&8L0$W]%O
M%]P5M&3IYJ8"]-T?_R@?;Z5*:-OLOO%BXC$8CWIV;X=1-$3"<Z#-%D6;PEVX
MS>=J^LAEB$K(RY\H$?<+TO5:&]&M[?%+?\4,-.@$7]> Q4\P!\*9?[MQQ@='
MW^.,GQ)G[$0Y$S+OHV&<=?"Y#C6VPW^FP)7QGQN7HL\X^I8.SF9O,PR0PI%8
M :RD.^D\SH=PMCED\KJH4;<A1-;;=>K=!9$"=5;\&!D(E*WH*+=61PC*VI:'
M+;+S XMP3.#>D+J9= 6HZ$FM"[5AO>?+[0%;%\/:[2%K-U%O+B-#UXI3$LGY
M.?9'J-/ LG]$IGU[Z6"-,"!ZWA&BJ;4Y*-X5Y=:UP!7"%LD0]8=LP&UU'83#
M6Z*%NB>*UC8KAZU<N_Z>?87LYV#_C??_?WO?VMLVLJ3]78#^ Y$SL[#Q*A[?
MXR1SC)5E.=:,;Y"<R0:+Q8*6*)L3B=0A)3O:7_]V7;J[FB(EV9:OQPOLF5BB
MR&9?JJNKGGH>[AER?LLETVVZBF)Z;Q84:"W@9+P-?U5F[:RKO/S ]YAQZ9IS
MSI[(N@,FIV@P2;,/+!).E3"9S3@S\P+E>KV/N^\'<?L'% QC[%Z'\/5DR1X3
M[W+\SU1,/#KF2H2CMV:%H[E@O[BR\L))Q7.LNIY50A:EB^B[B%+<<FE:+:[(
M265/43FSO*(K"ZDBMQ-8+..CU.A6YBK2U26F,ZIT<TA8-E>W\NMT\\H:']^N
MV8E5+FW/EMGF\D5<(MDY!$8"[37_X9U:[\$*<>>X%"F@A: >6!H+ZU^ ORM$
MIN$7/I16^NUQ_MF$)NR-GT#2<3(G9F;BGA_](+%K.LA8C0<XG&6X(WD.0H @
M>S\+3<YB]0137Y890EAQ8TTG_; ,S(L?847,;9Q!]JOI.PX-L+^BBUX1:L->
MH1[03X^_HTY/5F4E?XM(4()AVX(%BYB&_?06M?'091=!VW<DM3$PSP&80C&G
M[740D<42.12JY/PG2-D&WEA]EKK%;@(9P ;XMBF8R5+M M%NJ&X((IU;<CA'
M;BW2BD_2M=Q822+5L@I486&!,H!(TYQ@",01=)JE"@%.[BUUH@O+3>,YM9NS
MPN<D6%J<H\<SO!4JQMMTT::@O+'.AY*ZL5,UP1,0"I\7(4N-(JEWUJ46? >Y
MY1W8RD5(5.<(5,1S*53;)O*0P)P"!&6!3K2:UVE@^47%B.I]G@@9$IBSFE?<
M6.7,J?.'\D 9N2+3X9-<K88P@5*9/LMM "QRB:"$R[DBL\7BZGG0>5KBF".G
M_?"NRG[SBSH_)WV_','KB188"6)AJ\3:1H4_HK5^0?I^,.:W%?A;>;%UQ1MK
M;S'#QPIIG)+F&VZC-7$89KM#/E>5>5>S&,;) F"QTLR&XB!NNOYUG.!:8K4Y
M@/V;%>D^ 9MTK?X>Z@#B?_C]P6=O;Y2@C3LZ.JM,G.#-OA5&\U;CYU'S\R^
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M(M3<"0PN*DRPPV6N'QJ7.] YJ 7,*$>!-F*PI^@G@!'2>GAQ8NC]M6B:5DF
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M>/7T7RN?]0E!VC!7ER]COD*L#/X+X*-C[T3GW?;\J!TG ]6LS:TM_6U3&1#
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MIOM6O/I_U>IGYUZU10FT;XV6^GG]W#LX;9X?8J*Q<5(IEUIG]5KCH $I0_4
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M,3HM=0AJ44>Q&@F\J]^Y!K$G>H]RZ9?-G<V5#Q-O(MR!%(J86,K5R.)1.F;
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MN"(P"G;<2T]._SS?/YMU3YKAQYI=5\5&_LZ*&C>^?(1:X]W>]@O29I7Z6L'
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M=[6CF;JY[R56ETZ'P&N8,I*">%Q=YP6) 2ZG^JIZ8Y(1G/>^2I,;54P:6M>
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M.X0"17NQ,92 5S@>=A2>-&PI@?[D\EE5@C4&1A!5_VJTJ;C1C**G?[(=UB'
M) 4 T0B.\6R:XC:#Y\?3/BWD@6&W.\(M<KKH4)&7JW)?T0N_^3-AGTSWNLW'
M:9],S# *78\I,&#2#2Q(!"8(N*!I/-0!EUGQ%9P4/2O)0(<Q^#'PS$YS=,@,
M<$J$>Q D<GE;R*B[J<T+WA5U8F7[;;/M%8J0P\P#F"\CQU%",@KY,Q=/<^N&
MMYNJ.,A"P/*S4>XEKCE]CRG_260JXAKJ0?1$^'>S\Y"4Z#D5?6.2T;Q(N:T_
M-Z9^7IR<Z5M:&U;F,<9*8G,M)3>+Y4V;=/-OU\V-Z?L5_IFEDZAVRL98XS!"
MHC&4ME,_+*V'"[8?,X;]E>6WI4Q F<LJF9<I<W?:MMV'F8MK%G:J^E?\^E=Y
MWH\&,?K"$EZV*U!ZLB@N*_]6N:G@4INPQFAUXJ.F]LO^ED/_943\I3A*J1L+
M4V4U2Y4@P+(YY5YZ&WZCR$8+2>SFAMSML<*W;@A@_F(]IZIE%$_JN43-OHJD
M=N,ANTXV?^K$VFF.,M3A;C6?GS=Y@KG]O3:W?V_!5$62]Y,>*B]5V+I8+9V8
M:Z//?0!) -FL08;X7);CK;>Y87+1K,'<_(0#ZD&] 68I>/_#I!(%C98"P;(Q
M8$@$(@Y,@(M+B#(3P>;^,:^!9R9:96$^]G=WJBIF,*6SW1S/]9,5'X_X3O@_
MK9\V-PS-:3W$]VAZAU1+3>-@V378UF-,K3ITOQV>>7A#T*)=4*45<\?03"&D
M2(JQ.]&_<UB"Z,:@J/!L@!,T+LN\E\B]QG" ZYN3A4,LPK$!"S!62@>#<5B"
MD,6P8PX/3WJ@YAS*#2UT]H>/-HUIS,LH")A:"D[(A.:$.+MPD1'?NN!_H&&!
M0:::JM<0,JWKF=;-*OOZX]@/$/K:0KE&NS4[YX9^/4(B^0RWJH!O@^2QS)Z#
M:C,6N-0S$_FP3@_8;^O8US@2:E9]"I:(ZT2N8*ZZ@$G3/,)]HC/C2L_ZD]\S
M^9,.Y\\D7_#2WG>G4VMQTME!TAA):9.4J9+[(!!%/L%_IGG)1FQ9Y:G*[ @:
M_!7]SF9*-C?LG*@%'_!8V[*0"M!_@ZK)B_JNFP_$9:.E=29FIQ*M\5)S!O"Y
M]CP69PQ'5CKCTF1#1!(,K@"-@](KC0./GM=-W\9X;J2G@% .(*7DE$I"S+DA
MI;G83"=T*.?@C"E]'8]&"OTM N'A?96N#<"OX0G]D-1 %Q52[#NS%5&E H72
M=VH-:P4I+[=W\-6?=[5;;Q12C^;&+\^X:XU190G9FI.LDB$ZT&<J5&4:%E<K
M<#&CG6!&WC+%"!L]_KJ'"]!QJ8'N&&JG:>.ASL+QL7/B/(=L*E-K2X-QOKWK
M6985AJ*8V@SIY^,N(=% L<E/7:9UUH.68$77WQ! O!P/Z[9/^$;.;^]<N:84
M3/W97"9J@DS,$<:*FL>2:%)+R[F'CV[<$FX2Z;&UU!U;]!N55327KN)ZZYG*
MRE--6E]-TT_S:9/HP94).R'S*Q,\Q9JTR1UK\0!*)7I8G7+'@#NV*PML1GSK
M!](O=SSWL?;0N?7B//"YMU<P.-\(SQ8/SB(D K3V(/D*MV@".-2I@)9#Y^.\
M_UEARI)Y C8W[L2GSYB 42&M5E@I<),#__*5>']BIX[.%8+>-S>L$!@#W'A#
MVM&1$%AC]4*SR^1$- ()L?J*'P?S)0;_2KE0#='HNX\5)[C;<6($&F2-EXOF
M,]Z\@*'Z"OTBIX>)O8^)ZK"MH;FE.M$-BMO( <4;H'KM&XQ\,C)+!]8+Y_+Z
M5]9>;@[$(_2Z!_^$&2N2U!!]@"H<9T+>I7E$:5H(KL;76,.'(RHEW4PBV!3X
MLG%\4K0"CN\8G41U7>0LP;WAQT-AYO5G=!A7:.TPRQQ6>=8P651V.% %,=JH
M7CPN;7S)1GLP*H_I!HJMZ_@!R4X2Z'*W4FS<_3?*A L_5S'2\\;8V\L!O@CM
M7Z'%C4-%LA,W-^(^9F_@E'0,E65HC="XJI<V5P;=9VP0>+.DXJ!+0QD?53G:
M.4LG=L=X *5%,=.//"6V0+7&@QA<4<2%F3SA0[02;6@\RYE$":^>;HKA99MB
MN+_(D?]W"*ZE%XANJP*>?%4 VPFN[Z(/'Z_]&AX,W;PH\ENAG1=(8Y]QW[8B
MD6K__0 L_##KXSDZJ_.;+KBRKED9F""S8FAPR IY/3IT_80Y,$%#%W%?V8\Z
M+79R+<L4&J37%18^K5.%AAF)#@O$-&EHP9)/'=$^IU(SRL<5EM"W(A;O/N=1
MF:::%)-XI 5Q)Z/I!2970;G/\C8>V=:0)99:CSK1(,WS@O/9O3Q%6]V[Q/QX
ME+/U#@KW%JE'G8?:I@G:Q[&W(.^I*#"]Q']ST$P'D AD!9?'J%YA+&,$-/'[
M8I]%_723H7)Q*)2R[W!-9JL^UQ%Z3AGY<0S2 SXV++7*^G!8BB"Y55<84[7?
MX1;+U%5>)4)H8$YN+A#$XG;&GR4"I^ L18%;:5RPU]L5!MHMQQ;0XHVR#X<_
M/<K9H7YA1V 5T!TX%!15DQ%F-1QFI5Z*WG:),%V&I3H8S)H-$\1;F?L5HQ<Z
M[QX[( N*LG;CE-(TY;52&'G'X H]&%1$P/5PKT9!<]@Q#^Y\NI$$.U,.*-'G
M/-[<F$4-2_J%U$X_PIA;X57S?$,4F[%%=R743O(*?VN&3"$#3?_?T;!*P_G\
M*Z%4'#KU7U2?;,QS5:H"7.GG1F018Z,JXD 1<F(L%K)H&$$&5I,MU,;#<7HE
MS:<F43%VB/(TN >F9(2<#TQ4C\%*;IM5UNS<Y[AU*"*"%/8ZI&EP6AP*-@!1
MI-& 8:@BB6F33@/JUE.*M*.0L#FZSE.:/<$5F6@SDJ 0D1$)+>*IX.3#0(Q#
MS^L0(M4,=AW'D-YVW%Z(9<H ,3A]9+Q1$ 4=T'*#0G'I;WN:0#//WN0^6F#W
M J,K)#NH"**&\+>IJ^4P=IW@TK!3."F/^0D.'X_K,D#Q+4;$H^/ 4PEU HRL
MA^:OY87<F)8 @2R*IY28(<[CHIP_],%<8TQJW#^/MQ#C+E@J24#F2?3]!C%H
MCUW=(R8G]!KHX5<O_FGH8QQ%KYNX5'E/V-.'\;]S79;!60;;,\>NE55)8 D@
M&'YZ(YDZ/#-@J>,1F_=+E&D"X/Z.+.:9OUJH]8[[XMZ$\E1(I2O;.)B=P%BU
M_(;;[0QR39NN+:/<:=KAT3IAH+ZB5<7UP=*%,H_2G)5;EF.>'94@&20DH#2$
M:]W7P'ML=R)\,UJU&,.J]W@$PPU\?#42T";./B8 _8GJAA*J8>\IKP-A[*"2
MPV:H<6DH$FLE^1UXZ2D5:;1$E'._8U2XN36/(J-<G+JFN=Z[H^T4]17-!Z_7
M@8'4T".&AK3JKFD"29%!/>[JJCK7]G26>_\7=[#<.X"-.LV]7U3D\-QKY.>#
M\MS[XW80.VS3$I$C&<KRZIAE3$JV@&(SUN;J08($^[T6Z/EX ZN64:.Y[;@V
M-QI&UC%VU&*P9N>%O,1K<).I0.7'RH)]V;[8WMSXU0+03XW3\"T$VR\?:]P^
MH]Q\J7WG&*P<DA0WU>]GWCVGG0["*2GZNM/K-]&*HVP\[$IRGGIU4D4=]>R,
M^\0>2SDP^MZ@_*JD2O4V]Y_'[_MH6NE/<%7@Y#RERKMIQA#:GN8KQI@/A*5A
MJM7CSF_?;<_U^GV$(+QD,)&:T0*1N\(I4_'R:4+>:36>GL7"A;;-+V*WVQ-,
MR[Y:_[3L>D0T=W9FAC2#AI^[VZL7WP0S#[=7FE#XS6&YY#I688,LT0:<UH=U
MBK)Z/65C8,?9'Y@9^MW+?RZHN[[H\F<Q5'2SPKPPK6CJU:7N82V-#?D>[&>P
MO<'E1[FMQ6KJ9N[APC<W!N,BP\!1\(P:?:@[KX3*X0";N#(( DXXH@>'04])
MIQLIX3,-U@>:UM\SXWTL%5EM(VKN)2]GJZE[M,SZ&.6*J\BR?49"]NF/3VQ/
MA^I3^K7)Q3A^Z7$^ZR6FC,(4QVL$7EPJ8W21<>^LLK/$<<DP,QV.D'40^#&[
M&7E/XNUA 4;H1<RR<[WIE<Y0%E'6/#K,WZ,!0+.!,3QG[?$$DZG,%%D(>NS:
M'UG0RKK79CJBLK(IXPL8Y73'H$:1GEGA172XM9G=:DHF:C7$$FIE*J*4B33A
MN6-#L#TAWL:[FC75)N%F)^%V5C$'QTC&(0<=L(0QI@"CKO(UO,VLB9KE&5T>
MF)R^5E<B32196LRD)Z-L>XKNZSA7V7*+W5NV=E=2MKH%TIQ;"8L-3T@6&V!L
MV<M'IFY'?8T-_P_IH!M0^SH32G5"]F@R]V7F&9%&!M7'B;3*FR6W6-S<1319
M*X#W%L"]E11 7[EU&FPNTG>25;'4!M?,0HH$I/SE3+G$$'&YN6'99S'U2710
MT74RI+^D)(P:5TA9@)%"L;CJ((!F36KH43U[;Q8-7RO&<XOQRQ478T]8YI=G
MWX_P;+Z:.#$CQ32/M%&6=M[^/85IL1C%WNJ)UH<O'W^1-HB'QJL[=/G7Q?%>
ME2#%,8<H-!H(G1+,HX&AR@50S%AB_%#IR>TTB.]HX3=NJK-[N'3,1NPETR&U
MC:B7'1T/!\KFAG'2]>/O>)R_6X4=+LRL1+I2$*Z>",.;O:E_0W,#[95WHNZX
M"F])S&Y\"XKU(BVE^^HU,B-LUVQFM"F=+4DN7=3&>HG]6OF=UQIQWH'P?;P9
M33+]=+W4)@#Q^'[]/E9K33$GF6:SN<6,IM8C<Q/U=ID/8MT\CUTB>O-475E9
M[N@F)%,?V.'@B#!)"W8-I<YTC1EGU _%K2UD.L&.T\M2?55%+^$ D6D1@S$C
M<OJ1Q9-^TT$/3G+@TX94'TY3:DFOK6?1(]"Q^:[P#4T<;6Y5%" /^1A6?U\+
MU_05T=&T.>=_P)R+X0K,6/.I2^#*@JDLK960>"%!KD9&^Y -RT:.L6"($>6I
M.4"9EZ4J;9#5X05PQ4!/R2PQ0#SA=#F('D ,O#T>K.MC[^H_Z22A2DS=O+/T
M#I%A_)?JD+*B^1)P1U3=YD8K.A'+LJ,#EJ7A!,5_.1F CN.]=O2TN85)+JRY
M.6M/AP.(-2M\BGG""=7A_E @WVG2-R6DW.LX<]'2]6QH:\\M9L^]7,V<TWZO
M(BTC/-;O7>CGW,FFUD^<[2?&*^@GXFEX'Y)QPUBL=9#DN4Q6  LP$;9=47L)
MLF:]_ !;VTQYCB8L*$TJWM",ZG(&JV$W[PL@!I635[3I&IJN#J3D4Y? ) GE
MF@SA@LK0-#2-&>E<T4]$:#HK=$9I$M,F][ !?8U4E#P,+ .%4UB8^21S%I<.
MG8ZAB)*FOWT-\?:5,J?6>-XTL0-BPB(U&'#E.X-N#(Y7X&6YK_&Y6?"4-E@T
M1G9^V#%QZ*N<!%SMO/!0/=O1Q>PA/!<8FKS-YL;,99O]/EOT0NA4,+;4\% @
M"-M%YUF4HA@P>B&]-,34YVQ'9]0Z!>,@;AF(<4+\7U)M@2R]E@==]<L+>46E
M%8:A8TI(Y G"8%ZW,)@G<PX9 9GGP$&_'%V-!&5\($4-3GE. S/)<TW?$A9O
MO-[>V<+CH9>.2]1<B(.&0=9YZD53&&\C&7#H7/P*F,=,%5%-;\K#ME$&YZLI
MFQ93DH]P/K[!^G?)HW5]EI0).=4%3L56+'K)HPJ(#KFQG X.49D6 _JR'.F?
MU1;AMN6WI'TV-WY-\VZ<NI4D\21T-RKZ4[=W^CJ1]FI?"3D[]3#C8-:C&00-
M> &V!U 2^&4R\S89F0^BW"50]"WS%P731[,GPR,$8SA?^A3LPO+B+L&BF=M,
M_')=,U+R$2>'0/"(67Y3:RLWV<K=%;25+W%#QT)9I7O02 Q$[ ;!,$E 8+H5
MH0T(L6Y1^DRL=W,C!F7<CV\2J62\32KF !CHO*(Q4]A ]2,J^!/8EK@E1N-N
MFO0<\@")+?G-']+XUN+P>IK(RYC0?:7Z)A(Q">).S9B/YI>U]V8K#O.<N-_,
M^X!2YZA*\)I)R:])!CMK%*K6PC>/1W&/%*Z%1W$5AAF9OJ33&/:S<RW(YQ0#
MYYJH$H=B3L:1MA/Q :9*EODV[Y"+.R6A@Q7G;#KK&^N[B##)S>2H0=)LUOLT
M8"M#HH5T5)T.40M_T*<O4BV6SKLME+EK-5:3QNJMJ,9RDPF#Y"M)1S\V):4%
M!WJX3->O+^3-;XNN7=^JJ3\'F)%,9XE4=%7*FYR2-7*"?R_C0A,=WN25(>+4
MWUA5U_%-C[L"#[4W%,9H+F4X'C#D0E5$V^_5-;LLQL(TG(,:EB8CK*"M/3+U
M(6P.^R>*SR=A?4XS#2:]7\/NXN1T[."<SYK$(+@USA#-KM=:;._%AXLO9R#Q
M-17Q]A48U#>H:7MQ^@-Y6>](^JOK#S_";SZ2"#ZG\0XTK8)#R< N0,X$B:@I
MTX3+<O7J!-E:8UU.+2I_@WZ)__9-:U/(G,CNH%GD0WH[^I.S$=CG2BK!,>,1
MS%M/0^!QCK1,!3O'C5?)6GN"("G>F?O-%11=6DZC>,Z;."G8RG>*I,2<W;*+
M&&[4CK@->K6%)Z-0J;K!28VM[]6>%O<Z+?HK>EJP8W.=C *)<[O@65,UJA%\
MMGF"^\N&6D'9>/ \@12"6QUGC(BP<4Q"<6,LC1B,*41@K]>6L$.4(6$E>PW_
MU.F_27T>3/N 0GAG#?M/$6?E@'[:"3OAZ+RW;H7C,VW4SN:**F#ZH.WAAVQU
M</^:,78Y,V<77F","&V@BR6F;0KN.,G5&%K;ZT,_0(&BZZ=?QCW!$S$HZ,V]
MD;?&_[VW[& %MVQCB+(A(#G;7/>*\D+."FL0@?3FT[MF@0'51X"8^PLRH:1+
MEOQ.;^F[.^'665:"D*:TQR-DJZ'<L.-PS41=V8:_)*]\^B#[">U<ZOE+P]6T
M#<& 6R#L@P,G7JTF<.*$#CJPV(^JWK:#?:6#2+3WJN!@'_ ,E]/;>"?Z5-<H
MRRGA?LDP;VXTQ?OI9.I8C]Q48L(U]-!!DII"U9;.^\F7$;KFCD0YM-568\=R
M^EUXB4KIQ"CQJL9#2O**G<T-22<9N7*$RF; I'K=\#::_5Q1K/K M-!@9B.N
MPJ4[M4;4&M8CND(H,NF8Z+[8WD-(GS/6=G.C 3Q4SX$[5=O)P)5=ZAD2HT1W
M.+KU Y.NP8,K6"*F>4WZ(:X'R^/Q66P")I7F+)./-;.+RS*(4C^MK]I,3JR\
MT)Q1$L'E9R!"BMNIIA-'\_O[,M 8'GQ@'RGY\>!ZY^Q1L"&0/+.8Q\7YWHB!
M2V?PEOY+ZINQNQUC<MW.:B;*20L&#N!$H.7$S#T<Z?YYF39">)Y[@B<V9[ES
M0"-%^#C3F&-J@8=3^>&7TY-+@Y"Y3BKU0SF*>^I=EM_"2C[[J'Y N>I\^!$O
M_(CI+L+2J0:F;P2*@YD.JT?4@44.CXN&X*/F?<KC,;BNQ/[PX$@[P22'$Z2K
MW!RE]DO<U^-DF_.&632EWWSSQ",K1'_,KH1#G(Q9!%5(H0E8/B#10YOO'%F>
M-)HY,OXYM?\$\5QOUA_/M=!<WFM[(Z.P(YT@/8YP)K0W*4F,?K>(T5T2[M]C
MFH"_-S&O9B&WO-\ZKY-2R4?'?$,9AQX<$24EH>'@45E);3>%]IIB5J74QX>\
MI8BN 0T^3JV;;D)5I*WRHL8E0E=]L];B+6T&@(T%2D:%8M-8\M>+I/P+$;%)
M220T8Q-:<!N86?6$G:58/U$\H ONRCV4:MCESN*];MV0C";,5C3:&CZ.00X4
M>G$$Q1^,7GE] P(C(0Y9V#.B85+B&[/?5?0Y.J-X!DWC:1$8O)#FSA;Q(#$G
M@O>8F#LKQ\SK6-GTX#UF"0.M-A?KOOOT#I"$"29I4I62<[# 1SEU77<.B:2\
M^3C4%IP%,%(*3;<WA6]N0,7XR\"]36=P7$UMVCZ]'UL;'5HL.O1ZE:-#* ^F
ML.9/"J*L2DB(X5;!'A-_@UMC9.$K:% !D0YWW"W7Y #!]N& CG@X3=41QL'!
M,W0.#^=Y(NV7YW5U* HL3EI,-15. 8*\!R@U@G6)R\-%GMA:.BY,K60MVTE^
M/_;FD';0/ATSZDD7H(J9^5CC4O%*["W.^-3-C49 B"2KM'<E5?<^N)1.[PKK
M0QJK)9V[\4)@8Q1S\'4BA9-HE;00C4K5)YKAU-R#3@-]2_M*9-409UY<2J<T
M!G,8GC+Z$YNW$C2!^>>DDPE<O+D!TPM.@',]?U#_!<J*=$G0^A3>QZ688R'<
MCNKE_G493IS9(,<FRE12Z8X2 _A$8I,T.\[M\1TE%Z!0D#3>3N^ W/C?]7R(
M&R8@D">MT[6S77J3X&UJ:\JK)*^Q'<V]?V68# CT=ZU@4"FZZWG<7@]:+TN$
MH!PT5[V)D0EL8MG5>PSYO.@W'$KVT43HZ\+IJIQ\CUY25IJD>F30#E#+W,3&
MAWW[B]QJ!ORD0G5K76R7ULXP)>H3G Y[@6(ZR3#&];@Y69M4Y3?[-MK@^[)<
MD,A[#/HL724:])(2+J2W-0NV*HCT.&\@WA<#B5K^&G0L3%@R'&&3+V$EUXZ+
M*U"8R^9-59FR-?QJH,D98V?1*/)OU@P4+@BO[H<;NC0.+#=V@VS>S>>+N+46
MUSTMKC>K:7$=Y-D@37J2Q&WH/K JEM?QX"Z*6_82X51EEF[=-Z0G;UAJ6L[@
M%LT]%Y@]UL%-\J:@O0G?4_J>M*'.P^,)?464]4TD GBL5[H\J[2%J])-A?"Q
M=[T>MBH<2#\L]97X0<NF'\UX(3FZ\-3EF_6=F_5GCK2KQ*]CY,((@ZD-[F89
MWISGR3ZB"2C:JI9[J9:WJZE:CMA@P[2WBOO4AAPWR26=@T38G&$*8F6XN3%(
MMH_&IT3I99:C:SWZ>O&=B22&[T1Q%^Z4F($MAZ:J8I RL7$:@\HQ:NFPEA@)
M(67: _A!=\E/J[E++G2O&]X=^R7"SU=F3^S3&<4LACQ IR]M?3\THQ 0D(KY
MT-)_U9A?U0(R2\/AR4<';)"60.>^8K_S8D7E'ANHZDS+ ?5N716AUYZA;UO5
MI=V2>C4!_Y.,O.%.E*1$.$?&Z#A3&;4YPP.CX_G,'>:EHW^1XV^N3-P*^0(#
M4!GWEC7$__9 D;C%+1MZ)GB'0X4]J6E+I*[RK@':1SS=7C1OUS]I^[=4:SNK
MJ=8^$><!%X(;3;$JBNTDYQ*+^519QS!JL_9 WF+=1(YB6!*Q-82JMJ*<LG><
M.FUR$J5-05*X)L&TMGD3X9&H-*B<Z3O1;P77G"/M@@<JT#]E)$H:)\,VD/5=
M=MZ*MH'B?H$HWI_C6YTWQ&WX7^-B$ET629R^1_^LE'@U?)R4_83>;54VZ&6S
M>]ED7G"L2?,K][7[*(P&04=ZCNO<&F)4ZN*,?^"S_Y47?T7/+>B"F"XQUT3Q
M-$Y@G&S_:SOZ5;IZGSH]W&&N[P;#>1+TZH>=ER]V-##.H2^6EI_(V4F\GYBJ
MJ?*M):0&CJ0*QL/M^* A3LFYB5(J4S<93U@5/ 4D&X@+(?G+#C4_QZ^+0MWD
MF!68<!+$]HL=C,$B*ROI&[NYX14$."U.84E90](L$HP']"!F'S"RQJW3X8XH
M^OC+?^-&$ .1E2C8=SVE:-6;VS6'D"#BG'4[=M4CG6[9M?2,1.1*+. /C'@J
M.$RHPEJF@J_#?Z[F8GMKI;EF.9)#V"=8.6KF5)4JY4APG7= ,,'@]"KJI4*=
MSE2!UCZO^N9&EF<4)R4>L'\[ZDG?HY>/;=%7?0_+^?@EHUU+WY?RFQ+$AXK8
ML$(37Q@=',-]\"DO\O$5S<+O<78=5R"Q'0:-B>>AG]%Q_N4_!R[:'ZH")).W
MALX CD8JQ<66@3@3(QN"NK>S"D@PYVGX$QSA=(/771HKW0F6(I,@G:BYT*@)
M+1H<&6\V&EU":":$^FE(4CCMFLRY0.+#145ED6UM]G)./'&"K36XL<4GQQFY
M+7GE];Z"J[(^K=F-RL8*+:>2B28)1)D/DQYBE?/@%P&6;<:83,,+9T!QAG@5
M$Q EK/]X.-^L,FAQRDQ*L@:A%+?XC5- *2S:@P0[V?U[S"Q-'O/8C)<()S/6
MFZF.>J,!8Z +?V=JI9VW\:J5.WH/$%[.PA+U]3/E)II#; @>P'[\4!#KK#^&
M(T7W,)O1>2PWQBMK6R OKN),"M[P;SV-)8<N\,CHVEY09F+U(S8WK(+BYW7C
M,G$X.:8N0&NJW]=4WUM-4_TS&1^_$7OZ9&5BW74<%/YY+'R%T5D\H;V$%-^=
MZ%SUP8HAF>4/0'+I).S#$5J-"P<$$_ S&!S-)] <Q%-WB.Q2K%?/TKC'K0'D
M<8()>0Z_PB/.M*RVB)-9*6-+(^J1Y5A'O2$;/JU_O-2$>[U(2S[[N4<\%W;[
M66/.$SL4$"XGZ58TDCEU>"$);&PKIX@A>02.?3(>ZGZL6X:(WP!B]//U_)G5
M<JE^&-DD)R7]3!02F%T5>R"L^,.5:;ZU\:R(48.4+3L%G--#1.3 >\P44<*^
M>DWB)#4T@51U(MA &@"*6X=G/\O-#.JI[_7 '6SL#**GO3]6/A>205[#BN=]
MMHK(MR!D&EWW[?NA,??/U$C-X>#=E]\A'OSAT\?]\\OC S@)CH]!ZWSZ.,/C
M^!X!:1B T0C8%ZHT@V@^Z7;;D^ZNDVYW>T6CP;R^$C=)5X;8X+*FYKFC'>MY
M)X,5M@,@4"BAJ@OZ_]*#)H)6 +>'"U'9JW<+4USRD4\Y4:"<JS)/QZ;LQ3:A
MDLX$<HQAYAC.$3)EX4AHB#OPCVW?<FW*NDV>:Q0F-(C(CD'[SV*5.D],[)-<
M_]FIS2(<)IQ:^""0:GPLMYH9)M0KJ.P@D+?+:$Q;B\0G\4V,/TRDQ9?76ZV)
M#<(/C_=MK(=&DBIIJI2-AUWZA\6JQ\5?7)R,OW?@I5E?__9*D5^('#?]O"@E
MT3_"HZ\OQ]@PBDV7"9=5T"VPI43E."79$N?>BIMAB,H+N15S9F"% !5 -/CR
M'<:?,;>FT^5--WRR9*\!B)\.':^+ B<>/*I9W^PA,)Y;/S#5(L*V$+[,NX!G
M</ =D8MK\M8AAW(D=J(G0L*2&#!26;_3:7ZG!\]UVRS#A"*A?>M^4_>PGVI.
M]Z?US^E^M[F$FT]O>E*Q ^[PL<JU-?$Y+?I4#N@$<[L3GT%T;WO/&)18D8DZ
MQ]$X[IV#3;N$*/ EO2MW2[_QW25V.CIV^Z%W0MQT*9:G$G.#D*.H#/ZZ856)
M,YK:3[IYH:E_+(EY?]P+**BQ$H!+3LB&+[^?TFN<\S;8\LTFZ(JF177KV<]T
MMM.&K-7#K8I=BB7)8;,)1W-(GSVKOAJI8?0VQ<Z38M%@=A,K%1,WK"Y?N=%S
MO[,3-A:PN3;YSK#\XTZTA7U;=6.9+8@TS6]QAZ(M\>[1>RYRPZ=+B;EH0L^&
MEAYH<G$T&$O[XTSJ!#EJH6?6[2CEM)>Q1*)4+\&5GK8*,\/H""5'G=).SI;I
MVDXLKW?OA<LAT1U-+UI86C/G$5R\0-8DB[9CJDT=2<=K.6%B81RAGSI&LJR<
M-+76H/X/;+FJ#6_K7W -)W]J6%.-Y.G!FLYH,FB=A.\E16\\+"F7C*>"+NY,
M,G^5MJ,CG\!UY@8:8=.QF92N[%JYK*X^J6LGD -S2M:%S&F!5/G4FO:5V0]I
M>N=M:5K6'E/W.J96-"6@CRDQ19L<>,PP>V8D'EE?/J[ N75I;6@]<+</+6D_
MWP">'F.9=FQ,>9_O$B.]//]R<7ETQ.]R 4)[?GG\R_'!_N51=/I+M/_E\C=P
M;_#OX].399CJ";G>%"MJREE03)X]=(?-G^ &!#\(3C$EI]\/0R9$@Z\"M."4
M^H-OC\R&:B!4$YY+Z:B3!]533,)%.D>CB"WSX"O01[2IS#=:._"[V3'J"^LM
M]6;^ONE'>_=]J!DUJ0+[?GKBIFC4:,&)"P9'^A*S'OUW[J#"%ZYW&)PU)0O_
M.@(I )DZH4C%R>F?Y_MG'[]L7VQ'G_9/_CLZH<VZ_SG:O[@X/3BFO\A-%+UE
M9\V?,>?5G3?_[>CXU]\N81U>^X-V/K?#V7W@:QI&^1W7=9DK*JOX:7(_N=+W
MF3_)M8,?<<3"?O256K_THW^\H/\LZHK0*)?UOYL;RWJR;YW\'<3V080^-$GV
M+:7;!9WH>3%Q-?U3[A.\\Z*-9W^?_/ZR$OQ!@K5-\-_3;=U;U03_/O?;^)))
MR.)]=%R68PH8@F]Q04[(JD1742CCJRMLU%$U]PQQ1-8V .FJQ6.P"99SR90L
M*9GCO(N\A26'J_>3(X)/)WCLY763+,0RU).Y$36'L!$N:LODY<(ZU/P0U#&V
M8T"4M4WL-+?P[OB8AI+=\:F8AH8Q<2F'CHO?C:$(7_J;P!C(3.XD$''6N0W3
M]$1ZVYYB3=I3$./=G4&9YX(DI;W63TI,88Y!ZF;_BL"(]MO-#8]WC2_:>M]V
ME5C'KA*4K\/CQ-96S#[)9DK2[+/-Q4<T]YZ0;$60;[HKSS*[<UX]S=()\RPL
MZ%/?:FHGU[WMEYUH;_L5_L_K3O03_@_<>F=G^PWCE<WK,%0KM (ZLVX-QQH"
MUH3R.4,B06I5CG@T*@!:U'9HM_#]M_#>"F[ARC*C@GS<7A.R?&)!ZVA".?WJ
M/-&VR)MXPL0IR2"D&[ -G^'>)5938K:7LOOFKL^IH,T:-6<@A$JRLU;JMX(\
MMN#P>ZFT^.[JZ@!XW+FP@YXS8.]0@^B%8(7?K97H>TOTRQ65:&Z_7=#_DT#P
MV4(U%'?4L-QU2H$0BKB_WVS[1]]7@%ZMJ  5(D %"1"H&BM 4R7#03AI%6-1
MBG6I1,-Y<T-L;E<O>85"G>DE2HY@&WQ\< ]7-^MJUFFZT5/[\BM2_].J[:;I
MS^:T;"O_3?+_>D7E?\15=07_@S@%7:#>HNP$M\+O[JI?)N=EVU:TL' T6-/C
MSKUF='%[EM]7%-^LJBART2.7W"38W$A0D>(%B52)N.(_K,*V6@^#>J5FY&%!
M+MG_HPM-N_:ZJ!DH(#M3';%E4\W.A81:'6V-YB.W>,4IZ@AM8RQ*:2@]<>*-
MB:O<J=4%WCF@\J0F!CBP\&BR$5.--V_5]?WWR-L5W2.V\Y^U. (9-))"<8/>
M-1'-$&P75.A\X0NX#=5!]"G-2[?CVN).!*[77P2,&V=<<A%G<9I?Y>/2K60O
MZMLD=GB:'!%VV#<>9?_??=(@'E=K #V!?3.#R32]4"MOM$O5GEGWWH\_K>!^
M]/4\Z%Y$GDL=*8C6_]GIO'CQPE@Z5\C<-ARG53+BNDPI^W=^)LZ#\PEQ$_AW
M3N869$[]M#;3@R1\7JRF %(DWD3=A5>"!,*SO\7KT]9W7OAQOVS&N<!6$4JA
M29<*I<4 ;I#UA(:4$I1?=5TZ^)W-)@Z7T]* 2[>QA;YW*ZKW%]553$[6X\6+
M9HWD_,\+U^YNN(EGX+N)3NM#LCG05[TTMMD@9(I,E?T;2X\,D]#4!,RK[=U6
M9.\OLJN8\TRFB)@6HF9ZH(!TJB'YF5@.*JWW\'Z;&[%!9;@Y$HXA>I".&J^/
M<PH$$N^U@IVV[<*^BW8@/C,1'2%!C[(ZWZB/:K&TMHU/%Y_<CG?,'$[>3L7G
MVOGUU4AM^HN94W ZKBR%EWG-OJ2QITXQ9JXZ/KL>N55W''%W3[_[ZN80G)Z"
M?8K@VIWU!]?^/93TJF:UI4B\%A21_I[8*Q*4AN#?''K&O>U=M\^4^73/*(%0
MA\-N%02546N&PY<(B1J>L<=:(FCB VKDZ$:;ZH=J$&,[>CP5A-[/J9=CSE<"
M$ JX48BY'S+:6(M>7.AVZ+H4/^@I-$>\L36 YM];JYA?UZ3%<^5"3;"A*3H6
M-H1V[1LN4O>L=I;K+#QH_4I_\Q=A$S7D(RQY;V+;H";-SIZYM/?.J5,!-F\4
M<9?6S\1+ZA$ >&8(&D0&7,S <P^D]<K?=<Y(S7M/=/HA)%S Q[M@& :,6<J%
MSKR<"W7&A7!69\VBR\0@!.O!"TVG5&CQ$P^@(5810(%K[U("@%&]?X6G6@?Q
M ^Z?XCVP[,7T82,SZC0]TXK0 XC0*F(0G,[=8B&1"Q<7H$V0+"?COK61)C(S
MO8C":@87N>5C&)XS\4LE[/?"<TCBMR7*VSRFWIGIS@?C^:=#5)Z8/^@+:?YF
MII&?=>/:*VQN+/ .;B,:[UE(-6=(YG6;UO_9ZMC8LL[^F28%"XYSD:F>:YB;
M&W:</OGWG4]BZB!_504:CE2JN+C#KDG2Z$B1Z0?HAD^6, OEYL:4Y=*'-KI,
MJFS6NLZ[MZ;]_;7N*L)M"*MB560':P(4_8%@16[;SM(N9F3=6:T)4F/4TWC,
MQHKV;LO]DG*G:[HR;6.(\ TL4R7  2N;SE/@N1S'GS^Z&8889\?V-4UK"Z>Y
MUR9813R-/:D9,]*8@ H/ JW9;9A&9;I]5CY8L,SX^U3?8L_H>J4G^MRAS^XS
M7S$K=0\VCU0DQ;*_'#R"4Z\D+-0T@[=)J812E4IGN637)V!F*&E0(>N20<7=
M7!KY/'>8ZL)ZIZUO*N/%SV?4\=:'H1G-)S,K>-4LIJKOOM!?LI3*8,P*F.F_
MV[5RBW]G01H['E)@UGV0OS&N"!9?VA]IKMTX(5;/89RD9*W 0:!Z?^FQP5G$
MC4X';BT1BF.5\JKXH/>XE#2+_,XT.V%,O@<P0QP\!2*6L$+'IO><A:;YICV>
M7#,XS.^H,)^;PGQSXWMQF-^'S'K&CH1-7@D!G_#9-\Q>VYW^OK0>*TJ:?.A"
MWE:)OV.>KAU.(-R)QU+L&_4R=O+LY9C8+DV0VX?XN3T]K*$1^[T[-S?J?.\[
MVW >L4+MEDI('XPCZOBGBYT/,ZVBYA>'ETF&X^%,5*2N0YH#&=GN]'OO]!7E
MG3W2E/B=@%RV YZFG!8H+(<47EY156!SHO0VW'^@J^#307AD2E_B@^LX*898
M1\5_)6H0R53<F'.1OSR3WJ 5^Q],NHI?_ '7;&Z8KTO;C>8YM9"6'FU;THB8
MDM#%*"_X>&5@J'>:PU._,JEWH4QS!/9L,I-L+O/F"]&,K,"288,"Q^<9%,ZX
MZX:%)@"*F"R6.N>YEE/I-%W(A26]SB\$TSGFQO2#N%<FL'*ZV?Q3A,WLKC]L
M9J')O-=^=80%_1,-1VN0&"N"W*DIZR?@4L%5"";-HUMJ2\GA[0J>PJ3UW$K:
MD5%_8XEZ2/PNLYTH["EIVSBZC]4Y!;KGD#=S3V%1"A%]Y*DTC^*G!U#!Q?J^
MD#^=<&?'^HW%3>3BY@'VTYK=P.3[!SKL.M";<1-I_ O?GCZEOHDX:MMZ)9R#
MIA[J>N6HCS%?VT1])!:0T?KUFCW7(2((97#&5?D5@RQ,VZY^WALSB-\-2G15
MFM^Z31\"#IAOZ_-CJZ;T&,61=CACW'O4UER2(8S2#'H3!91MV@2%HX(V%^*M
M1Q79BZ'CF%F/'[S89)1PNW>CZ*U-7%]Q D!Y Z%V8G!J^;&IZ,[05$ZOV]2%
MSCKL6I',MIV'&D7:E\Z<R17UPR9"//G0A#8*^E/;QT%\DCXJ* -T5[123Y;?
MOZAI4?QEHU)MNTXT>V;J!AP6"]:RTW0??'RL26-GRJ4[( *D%7F6]+"-7U6,
M!85F^L/KAP@DI3].G<?T&5K0D>2$=P>G>Q3< MO<@3<U "-,4H6W.(O8\_K8
MXTQJZ.[$BT/BJ]=?YU)@4=&KPB1S-TGYZF:"1O0-TUBGJ&O[LKXGT;ITXF&P
M,51R5[CT]?;.EOTYMV:'UZ_@&GEK&,1$MTSO(&<D1M/PGF-X5BJ.F-%(EE4*
M-@8<=*JOK<";_"_5K_77:=,BL],B\2IF18)]C&DX5=I]T+"3_5B=V=?>]DMJ
MZBI&9 ):&HR.K\41C9EDM _:1YU:["+0O28L8?<$0=^2O ]*!3PK51!L]WFR
MQ>(V17=Y0YI]L#OVX)1X9_ #M)YF*^^ZK>#I3!R^'O_\Q_<=!P:W%O+.IMKY
MJCE19[#_X9)BBDB9J@]S,5&3^E>[L6^#/]2'IQ_\?BCSXAOM"#Z48=[UQ"=S
MFQ5NI]V(7O);S IO:E;,KJBOCI_\"Y:GQ97<^^SHKN+9 >M?3U'-R/* ./Z8
M%]:!FK(Q@I9!NC9A<V-W>X=$>@_^OV[=6BJOH&<V.AASI?S9WW=T5"NX]Q;<
MWDH*[F*YR 9Y"C.4TW4WN)557/D!GVD":BUN]Z!L@"R5D;L7F/[$[0=>;UN.
M8,'"F'6Z0SDU+R?DAW-DHLJ'92]SK%2=:).P!4<]S(;HK^B&&"69X$$.P%0K
M5=H)6^6QB:/ IJ:RM+AZUXK#7.+0T(9'OGPU6U:2%925ND*\\UBU:JT6P$&
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M*UA);H&I778LVED/L?="<*\,B/FZO78D^J/IW<;"31WF;YV.8^668?QV;B#
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M$[4FC"!/>%*&&$X/R"8"BTP/A2*Q$B&AG5#D%75Y)FTAPH"7"Y^\P908>OE
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M!&F^UG$^:TLN2VYICN0&>T/-IVR>":^>4Y&!8:<X Y9^W:]F?Y[$8PZ/:SV
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MT>U(F,FH=C,MYG/J40E>5'3=AN.0:OTYWG1YFOT["DA@5RF%Y*ZQ6RZ7&N#
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M(?M2KJ25]J-/]RZ%G"*8\*TSYN:@JC>"3V._HJJ]:]@,,CW R2-O@1<S7(F
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M>V4E(8MZ734;<,21(V]"60^0:P'S!#:;FF%\2LSD)K=S,#'6,5VY40]\)F"
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M)">3!I,Z,3MG;J*:6=E-VVH"&VQ@SS^U]BS/N)J5NR3/O*@6S). 0\8+\7W
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MEM(?W_]2^B>;3'-Q6:H:7Y7-JHY0LW FJ>Z5- 4]'IAT5BYN\92<WX9')'J
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M%>5V!8U'=BL,B,)OCX!Z"+YAYY@O\<;:U--%42TYT;2^:;+;LF@[!AOM%-N
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MW[UWH#QEORV<W-1K7)-/LQ>6!X;=J4/9B%"O*&7 06H6B9=@_&%#N5/7@;C
MK.X>[71;,B#'EHE\AO88]CK'FTRW6&%_J?%E1>\6QN8T;VU>*_U,B419#E^!
MKD+X(C0\^^!SMCV=-'LH'#U3<]E;2UM[82[<(+Q5\F56*4SZ3)M6>KW&(VEV
MSWMX$/ V@7)O'C?NN2Q<?R6#<E;T4@EW17&)#7/M=4T<U-BN$)\ 75T!7P0B
M;M(OHPED/YC@ !^[?+^J6H_&"%K^VHI?6QU-KT\IH2@A@]5!BH%=2519">74
M1*ZTCS-MN'&'ES^5LQ,U'/5 QPS<WN;^0(F8WEA38VR@VK;^IOFEY+. H!R'
M8/HOYAF:*R23X*;5?@:THBU#\V'MW6*1I@30ID?8S)3Y)QM#%P:XC+NRF'SA
MA.UP?[65\,MDQD)?+NSMH', C:&KF/>:+&6,\<6Q6.:2'$PS$T]T3Z V6:$-
M#IKJ<Y=@VZVL;&Z+#)TBA30UX[+4FLZ$@H#Z3Q< !(*J2?'3WRY^SB9%5W5!
MK7;50F/2U,G0SWN_R-T$ZAN6T0"$@;&^?)LM&FXZEJH_V/@>>MY?J5N]:&]9
MP(V .S/@CQ<.4%1&+9 8F/*)@@3H[ X*GWV>K<Q!B@F?$T#[+.29EU5=+8%;
MV*G9F4W0+$6(/O;,-64H/RO 4B^A$WNY6:RKU<*=MOI:IQ]VU.(RU=<9CQ:
MFE+D+7L]!/*)^OMWWSV8W-S[[4./N^90-R)F]X(9H?VQ96^F-P-NZFE)"55(
MPY@_?GZ^H3\^GFW.=C3-V H:K8F4,&>*Q$EQ_RH2IV#@=JD$;X(\V=@755\]
M4=1)ZM=;%K1_1US8B/Z6.^?RQ@/;@+57&/]V?SGT<P&O9.Y#\[:I[<RS*1PR
M1VJV5&*$F%#[K,R)[C.7]+:U*VD[!764P$)Z+!B??[G_WO@:A*EB&ELT[A"
MVRG^.BX=<!.'JC0(2, &+KWQC<".%AB@#:]&O9_"'09$(&X1,,G6]I<?AD%6
M^)S4SL$EB..W8U2R9U1RH*P=3M7''9:'$GBXL:FM9*T5T"C7E+]IF[J:(E#2
MG/#SJNW6WTP710=8G HH@YH.^G-((POQ]^;7[$8X"_;H058++V/D5Z#E[G4L
M<LO&F)0Q]?<2YI' XC#'.F15RJ*U#57*,K]&YGR!Y7Q.,_F,;#S0BN-I';T
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M#"&>0,O5=BOBMK/&)FU;2(F0;-&M5%>@6TE5,ZX+35\GE[L((D?Y=(/)05B
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M9?Q)/65)XPL6;4E(0(3\UB?I?>\V>]^O7^R/WWPT'PY.W[_;^Q=02P,$%
M  @ 0FV\4JS0';?A>0  )-8" !    !D,30W-SDS9&5X-#(N:'1M[+UI<]M8
MDB[\G1'\#XB:Z0DI E9)WLMV.X*6:)LULJ27E&IY)^8#2((2JDB #8"2U;_^
MYG8V;*06D[)'$_=V621X<)8\N>>3[SZ??CE\_^YSMW/POMUZ=]H[/>R^[_[Q
MY/G.TW<_\U_P\<_RO??NP_'!G]Z'3_O'A\?]?_[T^^?>:?<G_,)KM^"Y_3#.
MP_3]NX/>;][@],_#[C]_NHK&^<6;USLOHO@G+YA&Y_$_?YJ&DYQ^]>Y$/38+
MTO,H?I(G\S>[\_RM)W\/DSQ/9OS1)(GS)UGT[_#-GOE[$LRBZ?6;TV@69MY1
M>.7UDUD ;^H<]CX=_?.G-#J_@%>]^_"^^_4B&D:Y!POSWOW\X?V[GT_>6^^W
M!G\*@Q>F4YK-3^__*QYF\[<X"JQ;#S.-XO#)18AO?;.WL[ML)'S5,$G'8:H^
MV9M_];)D&HV]_]BE_[/?5+U?-.'[VK 1G2#MV&^=P\/NG]Y1Y[1W?-0Y]#YT
MCO:/^R>^WCY[X=_H_*SIO.N]WT]F\R"^QAGTWE<<XAHVI7-T@/=A$Z\^VQGL
MX"'\MSF2SF!PO-^COS9X+*?I(LO#<(.G\K'7'YPN.Y=OM &#LY.3P^Z7[M$I
M',AFSJ!W= "O/^MWJSC;&K;_(,C#L1=D7C+9T"%\":Z]IZ]][^GNT[UEA_"M
M=N'T>$/;7S[^-:_<.O\E6_!MC[_=<LY_O:?P;&=W]Q_>NX_'1Z=:][F(\O!)
M-@]&X9LXN4J#.3RY[(&/O3^Z!T].CY]\/#P&SG[TZ=W/^)/W\A^OWSGM>H.S
M#\?]@QX(@B[(HZ/CT^[ .SCK OT_JUS_'=0;KUJ[>7;OV@VR#E <8>JB1H*"
M2/_OW=S+\NMIZ!YC."N=(GXT#\[#)\,T#/Y^,@PG21J^":97P76&^N:[SWUO
MT/O_827/?E)#DB;[YC]^H?_[R?N]=W#Z^9\_[<%9ZD/>A]O5[=]!S47%NO/A
ML.OM=P\/!R>=?3C5?_ZT^Q/]?=(Y.%!_.V_'$^[VZ7-Y"7_R!*9\V#D9=-^H
M?S32:I&P2[2+2Z(I]M5<#_1$GO\#*/;GTP/SS6_R:]YS,V7UH#O ZZ>W'*#Y
MW_ _?6O>:G^LLX_B+!K#V5\F0&PWVY_WA8D"M<%)'>/!'2'EV#?"<R^ 5\E8
MY",D!S0*B$SS\&L.DQS#&;QYHCZ\"0=ZW^F?]O:!IGH><N#NQ]Y1#_7 @;K]
M]FD4]EPNG;IZYKFCX]_[G9/2XZCFP:BK/E\VOO9X4K=X$9WTND[Y3B?[[-Y.
M=A".\BB)>1?V=O96.\V&)V2[[[2\I_>VO(-P$L41KC"[9SJ])8'NW6SHM9+D
M0V8\Q'D^=8^Z?;!\0$)^&7A@'L.,CPZ8%7G''[W3SUV/]).'R)=>/?*EV_*E
MIS\@7\I ;0MPB5X0C[V3-(I'T3R8>IU9LHCSA\&L7CU@9O4PZ?3I#T:G'Y-T
M1@1Z$,;)+!**!=/[*,G#!R)2'ZGTIE3Z[ >CTAZJ>, [#Z-9E'M H,Q$D4X'
M81H]$NKW2JC/?S!"[0?QWV^]P0(]5<),'TGS^R3-%S\8:7Y<I/E%F'J]+%O
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MX!*P>;7&MH]Z(#!Q].C#UI&FSZH1[:1I>:2VG]4X)H+(-8>#Z?PB&(84&O!
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M[VD8G\.[ML91!NI,D-*O=7$7.<7U$6TK26H)(7YS<\;K[<IF;G<\!Z?[I>-
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MC'KFREFK)TDP*@2H@] #JFQ%-@"G5;@I4\P^"W5]NO&8:9]]@>84[5(<QPR
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M*N@.')O&J><$]F)4+BAE*S+J;1XJD1)SLN4LEO:,DPFV_2UM977N4?6K8<W
MJ-!9.DLN*[*S68EGN/M>7:U]A/E.@53D+V),,9*D)FF%6_X)ITU6O]5WIJ"]
M$^)*8 E%=><6F&:YSV[M>NF(4HKX@@Z68WB+ME-GZEA0-))M1V@^U$E$"\BR
M4CMQ?EE^-5(;4P<,5ML)F6//K.PI/!R%@L5:N@WB!?3U3+"=C(]%X%V2B<8W
MF\AZ51MP 70J6YNY[G)*SQ,X:>4>SL,\DGQ\%B3AUSEH-T4$:B['E[[U$[*Z
M0\JG_@M,IVP<C8H.'MP4I0@U;V<1>(0WC9+S&EA%NZ7,6E#E$7393M!$_2K4
MY;X@1(D;X3>UJH'(:TEAL7.0747&L$;.-);!2ZG+?IF5\'4F?!>9NE@F'K?$
M(!ZEW(%74:9G[JL?<;YB[:'SC,S%,KM.Y=7FECEV6U+##30&M45Q- Y<=<EH
M3M2H=?RD\)X ZZ,PM0QLE914.:PX ?5CP9#G]DF)'4PE6XF $B\GGL:5R Y2
M#JUUP%:N7%/K6N0+AHN*1DZ&:J/^762)=1ZB>DZ"L*<U;%E1G\7]K-Q7S01<
M%CRL.2[7DX7,09$2#!].)[5MV,4U73/H^MVZ8:W!=^?)_'*/C<5KQ7 1\L;N
MX'N*W418;G"^IK(ITK#0 ,HI\T<G1KM%O%-G=/)]GE-=A5R=@E>_;,,M 1,7
M+R4'@S3Y54])$L,M!I)7=@ NYV334JULZW)RBVT5MEMB%KJK88><NQS;34>^
ML>G4?83]5)0_!L8C@E+E]'1&7E/0.6,;G8OB*S-5::?-PNK]J.N';DD]K4^2
MV$-/1>5(V*^K"$E>U_7H#HZ8FU^%^C;QM?GTA7+@%3OM>=+K?150J8I;D"H0
MQ,)UN,_+Z+EWL2C'+ ](NV5!JND[14HK _B6"]B6[U/(^V357++:R2V,4(NH
M(/U)1<2P-K^L,N6APR]980O;K9ONH;]L=MI_=,-,#<OY&WN<$,>C.[DDU=.L
MS!ZYNTR\^=U[UNP$K3(%P1+ --2I QNA. _%*!SZ,#B%K&(II,)RPQQ08$WA
ME*ZS:H8BO!$.GLITNMEMX-JC5; 7B1%($C#YT&K-"F7"2ZV8ZUTIHEB[TJ@$
M\,C0@[Y0=FKWA4MTDP"[2UBZ/ 0:)_$3\Q,;75.ZM?G>*$I'BQFR9A[32$>:
MLFP/'A/2!5D(DQ3]URQR"&*QW2*36(-[97HKMSI"F'9Q@GANZ"WB?%57N:I&
MKQ3_),]N7G#Q^-[6!]- Q#DV9;)7.#B*WM+(T:B599$ABC*6 2$B&9!-N[6U
M7WY7E:.^NJ*BY*,EOHEA?3"> E?#L"ST<:,.@68HW5T=]EV)UNT:7M/A1^,@
M)L._X,F,/>5;![+J>-4".8'H,&AZ'X(LM$LIU490^90!JU-.'E7"J:,PU46<
M-G4H,X9V'NW+ZP:7&%JGF>9Z97!6;/M4QR&BG'UCU.[)L,X"3RC/M,IHF^G
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MUFXY5FY!&FVIO.VT")\EP3I,[;(&I.) N\56%7*4TR18*=L$S4)D[3.R4VB
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M^'>T'^;7E6_B-!B3XC@SP5Z=5JG'-_XH#KR#K+S EJI<"#R/PJ6!*Q%+.*N
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MYRX)TX!B# 0&@QJ97"JKAJS=FDA5HNF4)RC PW"$FJK1YN#LCT=Y,@Q3*77
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M-UWY]5L%/0 L+\I1YU/$4VC;[BL% ]3ST+%Y^6HE?AUL@="O3FTN-E+: TW
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M?!GL<;RZTJ*FBD#\TS -<C/9: :B/8)/2#R#+&1[R9TS'*9IK\P=4*G',@[
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MG[1:2UL4LOX=J$[,HM MN<%53]TL4=&ZCGE9#SM.'M*<MV[W7NPK--J5-]6
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MIFO'QF9UV'K$BE=Z'%944T$F-:Y<+!"%=;590V=4MZES_VM Q8M4=RWNI5A
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M4^\NOGW\[$I"^$\/8/G(/=V</S^O,7^ATN)+VSDB;-+B#7!MH!#B7II$:7.
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M$ZK[(V!?M;!.K0 (7&(S0#@/0<"(X ;;HF58<9X$<P-?Q\SSN9R;V_:4-8Q
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M//X$P,X\V/;A1^V /J'$HOGP\F]02P,$%     @ 0FV\4O1(Z]^%"@  ;"$
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MZXYK@!3TOHMP_A S&$XE4)A(13' 1Y<MXTPK:::N%6_JO%I\S:2VSK @[J&
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M+!119-(<K-\CI;3=W@%B87[66EB]C!;1# O)+HS$QL#]0BHMI'(X$U/MM"=
M!C@(Y-M=>'XUQ!WV^K>WMSVL9F]LIAU:M!36L4D59%0J=4)D%BQ4TS1!5=RX
M&T?IO^4NZF%*1"F"1-%;]QNMPD#>1G#+]/:+]^OK+\632'AS^W5W8VMSLQ?P
M[Z-[^OZ98&-_2(L:O- ].</&F&^?8\B^"_(#\Z5S& QX*,1%F@0)LN49@3M=
M@I^=^QVE)AA#6L67AG2)S8O,(6AW.H6J (']]?6&& ;<24KNG"K@\BJ?[V!G
M8.**X$G'>DK[FBL#468Q'I9PE[!0*O!N;H,=*B."!34E _F1),0I:2N,UQ2!
M)>G"T&(6$Y$8K^E@.H(>^'7Y&SR7@IG"O]LM#^"!@JV.)8_=3^10IC)@L256
M,<FICH,*B-2XHCFJ4W8*X-WAFPDQ!C@.C#ZMF" -S1A%6+Q $)TNW4 >8:?'
MBL%=H60*&!F3D?*#IDJQUGD\@97("!KUQ">5Y!Y5I&F9>>LUMN:6B7J]MS0#
MXF8"B BX/FJWYB$$:>X<,\&L0J(R-]&YR"<:B,7DDUEMYUX=G7R%J(9D/*<M
M*4+-81YGB5I4%4H)+(DM76J$YD,%Z(#0/+F5,T=YVKU/B.!/_@ORO[56D>1Z
MP,Y?MOE_2QGD$#8>#LZN!Y?_>+'@L7+!,Z79\_\I>=%4[/?+U8 _KJS!*5EC
M;Z6-NZ> >2125Q46<D^%T\]BHPC.D4",34#)Y"P87C)72>#*S;DBHQ-BK%3)
MK $#+ZR>DCPWT-4I_HR]R[\DP4M%/R)E$!O;VV]ZXJKV\IXVX5^ H78+2 GQ
M !01G@6 V#7",T5:3"#**S;;= ^+B<9<N[(19;0B;]88B<!V!L#W\_,^OJBL
M!1,U.?2S".K=H96^444CD&!*"K]-JJ,% AR^$+J;SRPX8TZR 09Y=TP@I]U:
M7FMH$="&2<R8PT:/0=V$H%;'X]!PS0^Y>&T(K**F:O'B5*O;Q2OSN<T6;\!$
MF:5G22AT5F(-%BY;-4HP_-+58I;3KB5+9$M7-BZV6V$P$";/6-3\$K $UDJD
M;2X>KDZEU6%W(#V,#FF=7)"A1^050:A)$'=$RI)L"R#)&[]WE,#A:[3!/9),
M2D= M,HD[%BL&5^3;\7PE.'@J-@]/F1/'$-FC74^+42$(HD8N]V2BT/ PSPP
M O ?Y(=67J5YPNXHR,OC4V4%\;F;H$N"L*MW9SL/EQ_?_L/5Q^>M(C;*D\ME
MS.4R9],I59EH=E_B@W@H%[VV7!3\93ZIGRJ&6W!VS1QPY?F\!R.!W;[OM8VE
MU^X9H$GHYSK!PMW?4S3X76EV,MB59L.T(G3QAOGP_.O)47=CNTHP?NE=^8S%
M.#%#R&XP>&01&U%Y0(T09V?+G/6T S&/R\CKK,[:+9)D,YL'3 10(\MA,-2R
M)C%"B%):HD_1$X>,I!8R->1I2D0C"4$^MRL6BQ'WI,Q7\KV2[\?DFZ3)2Z4*
MP("N2,1/\(OSH$-5X05;;!;!$ _P2^T6I#4'+ C1O0YA CGO%- *QM_Y;,*3
M87'%7!45D^N X_,:0@,CEN2TI@<C*QU8Z<!C.I";@N FK/;W,AXS1NC ?$J=
MXF^,4'M,9C97F4P\QJ4*BE<$J_*RJ/(/_M$ 6\C>,T;!>VS\@<Y&90&3W6XE
M<[COB=2)??8@9JILYAU %'S$W(=(G]^@(4A76-H1.7N 6*4S"''[TK5/@39(
M0E?'5J8AV:8J;9PK?(ZW%4%U,'S/8)XESIP%%T048#A"D@_7ZR0VE;JJ&QT@
M>!53&:03$I;$)>4_$LYHP@^6B6(0J^JJN[$Q60^K?I3:^J0&9?"4P!0H76WL
M4$G*I/@7"<?)4-HP"<%N9CDQ,EO9@)4->,H/SKW?LF#%"M$'1)<2R1PQ>(F$
M]I"2C"FI2_6;16VILV'TL'(^.G]E;+OUJ(;[L&0Q)/%J7ILIG36<KP74!#D8
M%\)_GE.\E,N9CW;J N706,MYRE G(16A>$HF*]U8Z<83NN'3 4L^ V%,P(YU
ML8TNGP+DX1?W8' "_IR"=[QV69E]0W4W4*/+E'OB''F'F@4J-U?%/#%GC+*J
M5+[D.6FTVMMP6 06)BH>^XB_2F:MY'LEWX_(=\!M,*)4.V6#[U11)/.T&K42
M61V"](82J#OMB@#NYN89T-&Y8-F;$DNF7P,,(E:B]%93EJ%>-6#TR),D>:I-
M,L_F^;IOW0WCW0;IGPWYL@JRTF9S11I -2XC+J3YV,MI[S<Z"+W&B1Z3\@'.
M6EG&':&RJ;:&W5*-R2CIZ$$=1@$LI,XCG8T(BWE4)QKIBFIA*CYJ36^W4EG
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M&\IG>,P3_BI^EDDN[UCX_!=02P,$%     @ 0FV\4D(NL9C?!0  J#8  !8
M  !V;'EP;RTR,#(Q,#4R-5]D968N>&ULW5M;;]LV%'X?L/_ J2\;,%F^Q%UB
MQ"O<7 IC31,D[C;L):"E8YLH11HDG=C_?B0M)K[(CI2&::NG6/0Y'[^/UZ-S
MXN-W\Y2B.Q"2<-8-&K5Z@(#%/"%LW UF,L0R)B1X]^?//QW_$H;H]+S_"85H
MHM14=J+H_OZ^EHP(DYS.E$:0M9BG$0I#9W\R^(S^7J)WT#50P!)0L]ZLAX?H
M_8S0I*,?&O5&XZ!VL.HF !L\E& %'=2.FH>1,41'G5:K<U!'5Q?H#$L%@J$!
M26'5E4\7@HPG"OT:_X:LTREG#"B%!3HG#+.88(IN'./?49_%-=2C%%T;-ZEI
M2A!WD-0R5$K8EZ'AK8>*R6Y@Q&?:YT-!:UR,-;EZ*W*&P=*R8YY+F,\E6;.^
M;SG;1O3OQ<>;> (I#O5@*ZWAT6NKE\RO<71T%-EO'TQU]XEZL%UETXZ67VI3
M23K2=O61QW82"DA .RW,4^C,0M,4-IIAJU&;RR30HXO0,1:QX!2N880LW8Y:
M3*$;2)).J9%IVR8"1CN)./8&OVV0WV!* Y0!?[[N;VLF3$4)2:/,)K(.D3]"
MNB]@9AN$"8SPC*IR]'+<7X<L3S%AS^::>?ND:KL(4TB'($KR7'?U2'*B(40\
M&T+X,#;EJ.8"9(0M(4=Y$U%;*T'F-4C&6(2<:6.P9[0]3NOM9CM2>,X93Q>1
M[>F4QS/=@W)_>RPY8XJH19^-N$CM@; ^"G=T,>6A@[-ZKS72;1FD]3%>%::7
M.V'$V'[4CVOF,%? $D@<B.'O6;@EYJA1'C\U$+;I=A_D  \?E]52%S7G+A>N
MD>(AT R]"%3T\B3UT$-?02I?AN@*W'ZRJ]MBA.70[@T=E(PQGIIYK$= E70M
MH8TKZHWL=GF3-=_>*!U$&"XG%$MY.;I1//[2FY-":@J O(:&U5Y/LU.U./D\
M[Q^1]6WSE7CS-.7,=GR1W0XE:&\[O\HJ!T% ]JXT) @!R3/9[X5Y/1WO7T;'
M#IBG=4@G1$)<&_.[* &RU* _;%+73;<]?38DYGPXIWA<A&B.DP=:R[/W1'<A
M,.WKVW+^%RR*TMOA[(&FNRT&FE%1=NL^'DE=Z:7$]2V6G.HKH"R[#6=O4WP-
M8R+U/#'U":>%6>;[>B.IW[2YF')AHP![HY[PF5Y=BQ.>E.3\!)0W">>$PJ=9
MT=,HW\\;N0&>]Q.]Z,B(+%_=G\-T)X@WVKTD$2!E]L=$AXURE',!?-,]T1\O
MQ8#?%PIJ]KK[IFKWQZ6X$OR.+%-'Y?EN8?@F?<6EPO0_,BU_..0C>"!L)K$G
M )>AN.[C@93)V]&K"6<E#ZIM/P_D_A%$Z==V$R3/6'; %'H1V^/L@>8-IR0F
MBK#QA5[V@F!:E&.>IP>".K UPP!Z*]H@R&1"Q.5H5'RZ]R'X)]R7<@;BZVGG
MX/A8#A#/]-I;-)K# 5'%$C;Y?A[(#00VY9J;13KDA9?IAI/',3N;QQ/,QE F
M+LWW]7;CG*4@QGHT/@A^KR9Z>4TQ*_F6M /B@?)C'K,GXC5D+&*'FJ5["U8K
MECXCP=.22;>L=UXBJ<B%WE_=0(=54_T^8Z:F&S0#-).:+)\:0WM"VKQW)^9,
MP5R=4;M#NX&$L?GP^#WE$I)NH,0,O U1;LJ\W)"MYV9YH61@L8'RI'F[\K(J
MN'@^E.]/'68:FZUO+=*5PCRH-*G&!YVU>KW^C69TO4:5)W1/DI7OS4HZ>0<_
MMK*]&4NGL5T%C3NRF4[CV^]-XS,OI9S,J)-X6/L.-^)7R-R1875RCRHF=SUE
MFZELM2NJ<B/UZ^2^K9C<_!RR4_M')=4^D7UVXJMY7*VFLIW2JIU43Z3",]D'
M]4K*SDVG.\F-*DM>3<H[P<TJ"][*ZCO5K2JKWB@,.,T'%=.\7FEP*JL6;FV7
M+9S2JD5:.\H?3F[50JV\2HK36K7(:E\QQFFN6HSU="4G4]ZN6IBU719R2JL6
M76V4F9S,JL54^?4JI[::L=2.BI<373B8.K:_(MKX1W_SNZN'7Q?IA_\!4$L#
M!!0    ( $)MO%*&"D6YX <   9:   6    =FQY<&\M,C R,3 U,C5?;&%B
M+GAM;,U<[V^;2!#]7JG_PYSORYU4[#AI=8W5].3FQRFZI(D:]^YTU:G"L'96
M!=9:<&+_][>[@(/M!2]F-N1#6P(S;^:1]^@8%G_X?1$&\$!X3%ETTNEW#SI
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MI**P/*RJ=[+X9#D3\621D,@G&?(*FWE9U#TGDQ15:D]!QL3K3ME#SR=4"N1
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M?-YICPL7"1\49$'_"UM)GX*=I.F8'\V_)5='S)OY[Y\N^1M02P$"% ,4
M" !";;Q2:V4S#7L6  "UGP  #@              @ $     9#$T-S<Y,V0X
M:RYH=&U02P$"% ,4    " !";;Q2+[_Y[U*S  #FG@, $
M@ &G%@  9#$T-S<Y,V1E>#$Q+FAT;5!+ 0(4 Q0    ( $)MO%++Z!LOZOP
M "NA!P 0              "  2?*  !D,30W-SDS9&5X-#$N:'1M4$L! A0#
M%     @ 0FV\4JS0';?A>0  )-8" !               ( !/\<! &0Q-#<W
M.3-D97@T,BYH=&U02P$"% ,4    " !";;Q2HFBX?X0,  !_*0  $
M        @ %.00( 9#$T-S<Y,V1E>#4Q+FAT;5!+ 0(4 Q0    ( $)MO%+T
M2.O?A0H  &PA   0              "  0!. @!D,30W-SDS9&5X-3(N:'1M
M4$L! A0#%     @ 0FV\4LP6^N(?$P  >UL  !$              ( !LU@"
M &0Q-#<W.3-D97@Y.3$N:'1M4$L! A0#%     @ 0FV\4ON>>TH3!   :1
M !(              ( ! 6P" '9L>7!O+3(P,C$P-3(U+GAS9%!+ 0(4 Q0
M   ( $)MO%)"+K&8WP4  *@V   6              "  41P @!V;'EP;RTR
M,#(Q,#4R-5]D968N>&UL4$L! A0#%     @ 0FV\4H8*1;G@!P  !EH  !8
M             ( !5W8" '9L>7!O+3(P,C$P-3(U7VQA8BYX;6Q02P$"% ,4
M    " !";;Q2K3RV]Y0%  !T.@  %@              @ %K?@( =FQY<&\M
F,C R,3 U,C5?<')E+GAM;%!+!08     "P + +T"   SA (    !

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
