<SEC-DOCUMENT>0001213900-22-001744.txt : 20220112
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<ACCEPTANCE-DATETIME>20220112162244
ACCESSION NUMBER:		0001213900-22-001744
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20220111
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20220112
DATE AS OF CHANGE:		20220112

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HomeStreet, Inc.
		CENTRAL INDEX KEY:			0001518715
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				910186600
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35424
		FILM NUMBER:		22526827

	BUSINESS ADDRESS:	
		STREET 1:		601 UNION STREET
		STREET 2:		SUITE 2000
		CITY:			SEATTLE
		STATE:			WA
		ZIP:			98101
		BUSINESS PHONE:		206-623-3050

	MAIL ADDRESS:	
		STREET 1:		601 UNION STREET
		STREET 2:		SUITE 2000
		CITY:			SEATTLE
		STATE:			WA
		ZIP:			98101
</SEC-HEADER>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>UNITED STATES</b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>Washington, D.C. 20549</b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>Pursuant to Section&#160;13 or 15(d) of</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>The Securities Exchange Act of 1934</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>Date of Report (Date of Earliest Event Reported):
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>(Exact name of registrant as specified in its
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>(Address of principal executive offices) (Zip
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>(Registrant&#8217;s telephone number, including
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">Check the appropriate box below if the Form&#160;8-K
filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>

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

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communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top; text-align: justify">
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material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

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communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

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communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Indicate by check mark whether the registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange
Act of 1934 (&#167;240.12b-2 of this chapter).</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="xdx_90C_edei--EntityEmergingGrowthCompany_c20220111__20220111_zIaz0l89lqRc"><ix:nonNumeric contextRef="From2022-01-11to2022-01-11" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span> Emerging growth Company</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#9744; 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 12(a) of the Exchange Act.</p>

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

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

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


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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 8.01 Other Events</b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On January 11, 2022, HomeStreet, Inc. (the &#8220;Company&#8221;) entered
into an underwriting agreement (the &#8220;Underwriting Agreement&#8221;) with Keefe, Bruyette &amp; Woods, Inc., as representative of
the underwriters listed in Schedule I thereto (the &#8220;Underwriters&#8221;), relating to a public offering of $100.0 million aggregate
principal amount of the Company&#8217;s 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 (the &#8220;Notes&#8221;). The price
to the public for the Notes was 100% of the principal amount of the Notes. The offering of the Notes is expected to close on January 19,
2022, subject to the satisfaction of customary closing conditions.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The net proceeds to the Company from the offering are expected to be
approximately $98.0 million, after deducting underwriting discounts and estimated offering expenses payable by the Company. The Company
intends to use a significant portion of the net proceeds from the Notes offering to repurchase shares of its common stock through open
market purchases, with the remainder of the net proceeds used for working capital and other general corporate purposes, including support
for growth of its total assets.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Underwriting Agreement contains
customary representations, warranties and covenants of the Company, conditions to closing, indemnification obligations of the
Company and the Underwriters, and termination and other customary provisions. The representations, warranties and covenants
contained in the Underwriting Agreement were made only for purposes of such agreement and as of specific dates and were solely for
the benefit of the parties to such agreement.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The offering was made pursuant to the Company&#8217;s registration
statement on Form S-3 (File No. 333-261666), which became automatically effective on December 15, 2021, and a prospectus supplement thereunder.
The foregoing description of the Underwriting Agreement does not purport to be complete and is qualified in its entirety by reference
to the full text of the document, a copy of which is attached as Exhibit 1.1 to this Current Report on Form 8-K and incorporated by reference
herein.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On January 11, 2022, the Company issued a press release announcing
the pricing of the offering of the Notes, a copy of which is attached as Exhibit 99.1 to this Current Report on Form 8-K.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><i>Forward-Looking Statements</i></b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Statements in this Current Report on Form 8-K that are not strictly
historical in nature, including statements regarding the Company&#8217;s expectations with respect to the closing of the offering, the
net proceeds therefrom and the anticipated use thereof are forward-looking statements. These statements are only predictions based on
current information and expectations and involve a number of risks and uncertainties. Actual events or results may differ materially from
those projected in any of such statements due to various factors, including market risks and uncertainties and the satisfaction of customary
closing conditions for an offering of securities. For a discussion of these and other factors, please refer to the Company&#8217;s most
recent Annual Report on Form 10-K for the fiscal year ended December 31, 2020; most recent Quarterly Reports on Form 10-Q; and other filings
made from time to time with the Securities and Exchange Commission. You are cautioned not to place undue reliance on these forward-looking
statements, which speak only as of the date hereof. This caution is made under the safe harbor provisions of the Private Securities Litigation
Reform Act of 1995. All forward-looking statements are qualified in their entirety by this cautionary statement and the Company undertakes
no obligation to revise or update this report to reflect events or circumstances after the date hereof, except as required by law.</p>

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


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2pt"><b>Item 9.01 Financial Statements and Exhibits </b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2pt">&#160;</p>

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

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

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    <td style="text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><a href="ea153890ex1-1_homestreet.htm">Underwriting Agreement, dated January 11, 2022, by and between HomeStreet, Inc. and Keefe, Bruyette &amp; Woods, Inc., as representative of the underwriters named therein.</a></span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SIGNATURES</b></p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: January 12, 2022</p>

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

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

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

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

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

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<DESCRIPTION>UNDERWRITING AGREEMENT, DATED JANUARY 11, 2022, BY AND BETWEEN HOMESTREET, INC. AND KEEFE, BRUYETTE & WOODS, INC., AS REPRESENTATIVE OF THE UNDERWRITERS NAMED THEREIN
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<P STYLE="margin: 0 0 0 0pt; text-align: right"><B>Exhibit 1.1</B></P>

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

<P STYLE="margin-left: 0pt; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">$100,000,000.00</P>

<P STYLE="margin-left: 0pt; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 10pt">3.50</FONT>% Fixed
to Floating Rate Subordinated Notes due 2032</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: right">January 11, 2022</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">KEEFE, BRUYETTE &amp; WOODS, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">787 Seventh Avenue, 4th Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">New York, New York 10019</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">As representative of the Underwriters listed
in <U>Schedule I</U> hereto</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 0.5in">HomeStreet, Inc.,
a Washington corporation (the &ldquo;<B>Company</B>&rdquo;), confirms its agreement (the &ldquo;<B>Agreement</B>&rdquo;) with Keefe, Bruyette
&amp; Woods, Inc. (&ldquo;<B>KBW</B>&rdquo;) and each of the other Underwriters named in <U>Schedule I</U> hereto (collectively, the &ldquo;<B>Underwriters</B>,&rdquo;
which term shall also include any underwriter substituted as provided pursuant to SECTION 11 hereof), for whom KBW is acting as representative
(in such capacity, the &ldquo;<B>Representative</B>&rdquo;), with respect to the issue and sale by the Company and the purchase by the
Underwriters, acting severally and not jointly, of $100,000,000.00 aggregate principal amount of its 3.50% Fixed to Floating Rate Subordinated
Notes due 2032 (the &ldquo;<B>Securities</B>&rdquo;). The Securities will be issued in book-entry only form to Cede &amp; Co. as nominee
of The Depository Trust Company (&ldquo;<B>DTC</B>&rdquo;) pursuant to the Blanket Issuer Letter of Representations, delivered by the
Company to DTC on May 12, 2016.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">The Securities
will be issued pursuant to an indenture between the Company and Computershare Trust Company, N.A., as Trustee (the &ldquo;<B>Trustee</B>&rdquo;),
to be dated as of January 19, 2022, as supplemented by a supplemental indenture thereto to be dated as of January 19, 2022, between the
Company and the Trustee (collectively, the &ldquo;<B>Indenture</B>&rdquo;). The Indenture and this Agreement are hereinafter referred
to collectively as the &ldquo;<B>Operative Documents</B>.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">The Company has
prepared and filed with the United States Securities and Exchange Commission (the &ldquo;<B>Commission</B>&rdquo;) an &ldquo;automatic
shelf registration statement,&rdquo; as defined under Rule 405 (&ldquo;<B>Rule 405</B>&rdquo;) of the rules and regulations of the Commission
under the Securities Act of 1933, as amended (the &ldquo;<B>Securities Act</B>,&rdquo; and such rules and regulations promulgated thereunder
being referred to as the &ldquo;<B>Securities Act Regulations</B>&rdquo;), on Form S-3 (File No. 333-261666), which includes the form
of prospectus covering the public offering and sale of certain securities of the Company, including the Securities, under the Securities
Act and which automatic shelf registration statement became effective upon filing with the Commission under Rule 462(e) of the Securities
Act Regulations. 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, and including the documents incorporated or deemed
to be incorporated by reference therein at such time pursuant to Item 12 of Form S-3 under the Securities Act and any post-effective amendment,
prospectus supplement or other documents otherwise deemed to be a part thereof as of such time pursuant to Rule 430B of the Securities
Act Regulations (&ldquo;<B>Rule 430B</B>&rdquo;), and is referred to herein as the &ldquo;<B>Registration Statement</B>.&rdquo; The form
of prospectus appearing in the Registration Statement at the time of its initial effectiveness and including the documents incorporated
by reference therein, is hereinafter called the &ldquo;<B>Base Prospectus</B>.&rdquo; Each preliminary prospectus supplement and the Base
Prospectus used in connection with the offering of the Securities in the form of which has been or will be filed with the Commission pursuant
to Rule 424(b) of the Securities Act Regulations (&ldquo;<B>Rule 424(b)</B>&rdquo;), including the documents incorporated or deemed to
be incorporated by reference therein pursuant to Item 12 of Form S-3 under the Securities Act immediately prior to the time of its first
use, are collectively referred to herein as a &ldquo;<B>preliminary prospectus</B>.&rdquo; Promptly after execution and delivery of this
Agreement, the Company will prepare and file with the Commission a final prospectus supplement relating to the Securities in accordance
with the provisions of Rule 424(b). 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 S-3 under the Securities Act immediately prior to the Applicable Time (as defined below),
are collectively referred to herein as the &ldquo;<B>Prospectus</B>.&rdquo; For purposes of this Agreement, all references to the Registration
Statement, the Base Prospectus, any preliminary prospectus, the Prospectus or any amendment or supplement to any of the foregoing 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) (&ldquo;<B>EDGAR</B>&rdquo;).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">As used in this Agreement:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 36pt">&ldquo;<B>Applicable
Time</B>&rdquo; means 3:30 p.m., New York City time, on January 11, 2022, or such other time as agreed by the Company and the Representative.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 36pt">&ldquo;<B>Issuer
Free Writing Prospectus</B>&rdquo; means any &ldquo;issuer free writing prospectus,&rdquo; as defined in Rule 433 of the Securities Act
Regulations (&ldquo;<B>Rule 433</B>&rdquo;), including, without limitation, any &ldquo;free writing prospectus&rdquo; (as defined in Rule
405) relating to the Securities that is (i) required to be filed with the Commission by the Company, (ii) a &ldquo;road show that is a
written communication&rdquo; within the meaning of Rule 433(d)(8)(i), whether or not required to be filed with the Commission, or (iii)
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&rsquo;s records pursuant to Rule 433(g).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 36pt">&ldquo;<B>Issuer
General Use Free Writing Prospectus</B>&rdquo; means any Issuer Free Writing Prospectus that is intended for general distribution to investors,
as evidenced by its being specified in <U>Schedule II</U> hereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 36pt">&ldquo;<B>Statutory
Prospectus</B>&rdquo; as of any time means the applicable prospectus relating to the Securities that is, immediately prior to that time,
either included in the Registration Statement or deemed to be a part thereof, including any document incorporated therein by reference
immediately prior to that time and any preliminary prospectus deemed to be a part thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">All references
in this Agreement to financial statements and schedules and other information which is &ldquo;contained,&rdquo; &ldquo;included&rdquo;
or &ldquo;stated&rdquo; (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 &ldquo;<B>Exchange
Act</B>&rdquo;), and the rules and regulations promulgated thereunder (the &ldquo;<B>Exchange Act Regulations</B>&rdquo;) 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">The Company confirms as follows with
the Representative and the several other Underwriters.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION 1. </B></FONT><U>Representations
and Warranties</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">The Company represents and warrants to
each Underwriter at the date hereof and the Closing Time (as defined below), and agrees with each Underwriter, as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(a) <I>Well-Known
Seasoned Issuer</I>. (i) At the original effectiveness of the Registration Statement, (ii) at the time of the most recent amendment thereto
for the purposes of complying with Section 10(a)(3) of the Securities Act (whether such amendment was by post-effective amendment, incorporated
report filed pursuant to Section 13 or 15(d) of the Exchange Act or form of prospectus), (iii) at the time the Company or any person acting
on its behalf (within the meaning, for this clause only, of Rule 163(c) of the Securities Act Regulations) made any offer relating to
the Securities in reliance on the exemption of Rule 163 of the Securities Act Regulations (&ldquo;<B>Rule 163</B>&rdquo;) and (iv) at
the Applicable Time, the Company was and is a &ldquo;well-known seasoned issuer,&rdquo; as defined in Rule 405, including not having been
and not being an &ldquo;ineligible issuer&rdquo; (as defined in Rule 405). At the earliest time 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, the Company
was not nor is an &ldquo;ineligible issuer&rdquo; (as defined in Rule 405). The Company has paid the registration fee for this offering
pursuant to Rule 456(b)(1)(i) 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 otherwise in accordance with Rules 456(b) and 457(r) of the Securities Act Regulations, and in any
event prior to the Closing Time.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(b) <I>Compliance
of the Registration Statement, the Prospectus and Incorporated Documents</I>. At the time the Registration Statement and any post-effective
amendments thereto were filed with the Commission and at the time hereof, the Company met the requirements for use of Form S-3 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. The Registration Statement and any post-effective
amendment thereto became effective automatically upon the filing thereof with the Commission 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 (&ldquo;<B>Rule 401(g)(2)</B>&rdquo;) 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&rsquo;s knowledge, contemplated. The Company has complied
with each request (if any) from the Commission for additional information. The Company meets the requirements under the Securities Act
specified in Conduct Rule 5110(h)(1)(C) of the Financial Industry Regulatory Authority, Inc. (&ldquo;<B>FINRA</B>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">Each of the Registration
Statement and any post-effective amendment thereto, at the time of its effectiveness, at the Closing Time and as of each deemed effective
date with respect to the Underwriters pursuant to paragraph (f)(2) of Rule 430B, complied, in all material respects, with the requirements
of the Securities Act, the Securities Act Regulations and the Trust Indenture Act of 1939, as amended (the &ldquo;<B>TIA</B>&rdquo;),
and the rules and regulations of the Commission under the TIA (the &ldquo;<B>TIA Regulations</B>&rdquo;). Each preliminary prospectus,
the Prospectus and any amendment or supplement thereto, at the time each was filed with the Commission, complied, in all material respects,
with the requirements of the Securities Act, the Securities Act Regulations, the TIA and the TIA Regulations, and are identical to the
electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation S-T.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">The documents incorporated
or deemed to be incorporated by reference in the Registration Statement, the Disclosure Package and the Prospectus, when they became effective
or at the time they 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(c) <I>Accurate
Disclosure</I>. Neither the Registration Statement nor any post-effective amendment thereto, at its effective time or 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, any Issuer General Use Free Writing
Prospectus and the Statutory Prospectus, when considered together (collectively, as of the Applicable Time, the &ldquo;<B>Disclosure Package</B>&rdquo;),
did not, does not and will not include an 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. Neither the Prospectus nor any amendment
or supplement thereto, as of its issue date or 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 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 Disclosure
Package or the Prospectus, as the case may be, did not, does 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 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 Disclosure Package and the Prospectus that have not been described as required.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">The representations
and warranties in this subsection shall not apply to (i) the Statement of Eligibility (Form T-1) of the Trustee under the TIA or (ii)
statements in or omissions from the Registration Statement or any amendment thereto or the 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 Representative expressly for use therein. For purposes of this Agreement, the only information so furnished shall consist
of the following: the discount information appearing in the Prospectus under the heading &ldquo;Underwriting&rdquo; and the information
relating to stabilizing transactions, syndicate covering transactions and penalty bids in the first paragraph under the caption &ldquo;Underwriting&mdash;Stabilization&rdquo;
in each of the preliminary prospectus and the Prospectus (collectively, the &ldquo;<B>Underwriter Information</B>&rdquo;).</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(d) <I>Issuer
Free Writing Prospectuses</I>. 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.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(e) <I>Independent
Accountants</I>. Deloitte &amp; Touche LLP (&ldquo;<B>Deloitte</B>&rdquo;), the accounting firm that certified the financial statements
of the Company that are included or incorporated by reference in the Registration Statement, the Disclosure Package and the Prospectus,
is (i) an independent public accountant with respect to the Company 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 &ldquo;<B>PCAOB</B>&rdquo;), (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) 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 &ldquo;<B>Sarbanes-Oxley Act</B>&rdquo;) and the rules and regulations
of the Commission during any time period for which Deloitte has served as the Company&rsquo;s independent registered public accounting
firm.</P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(f) <I>Financial
Statements; Non-GAAP Financial Measures</I>. The financial statements of the Company and its consolidated Subsidiaries included in the
Registration Statement, the Disclosure Package and the Prospectus, together with the related schedules and notes, comply with the requirements
of the Securities Act and present fairly, in each case in all material respects, the financial position of the Company and its consolidated
Subsidiaries at the respective dates of and for the respective periods specified. The financial statements of the Company and its consolidated
Subsidiaries, at the dates indicated, have been prepared in conformity with U.S. generally accepted accounting principles (&ldquo;<B>GAAP</B>&rdquo;)
applied on a consistent basis throughout the periods involved, except in the case of unaudited, interim financial statements, subject
to normal year-end audit adjustments and the exclusion of certain footnotes. The supporting schedules, if any, present fairly, in all
material respects, in accordance with GAAP the information required to be stated therein. To the extent applicable, all disclosures contained
in the Registration Statement, the Disclosure Package or the Prospectus, if any, regarding &ldquo;non-GAAP financial measures&rdquo; (as
such term is defined by the rules and regulations of the Commission) comply in all material respects with Regulation G of the Exchange
Act Regulations and Item 10(e) of Regulation S-K of the Securities Act Regulations. The interactive data in Inline eXtensible Business
Reporting Language incorporated by reference in the Registration Statement, the Disclosure Package and the Prospectus is updated as necessary
to comply with the requirements of the Securities Act and the Commission&rsquo;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 the Company
and its Subsidiaries on the basis stated in the Registration Statement at the respective dates or for the respective periods to which
they apply.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(g) <I>No
Material Adverse Change in Business</I>. Since the respective dates as of which information is given in the Registration Statement, the
Disclosure Package and the Prospectus, except as otherwise stated therein, (i) there has been no material adverse effect, or any development
that would reasonably be expected to result in a material adverse effect, (A) on the general affairs, condition (financial or otherwise),
business, properties, prospects, management, financial position, shareholders&rsquo; 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 (B) in
the ability of the Company to perform its obligations under, and to consummate the transactions contemplated by, this Agreement (each
of (A) and (B), a &ldquo;<B>Material Adverse Effect</B>&rdquo;), (ii) there has not been any change in the capital stock or long-term
debt or any material changes in short-term debt of the Company or any of the Subsidiaries (except changes in the deposits, Federal Home
Loan Bank advances, repurchase agreements and federal fund purchases of the Bank (as defined below), in each case in the ordinary course
of the Bank&rsquo;s business consistent with past practice), (iii) 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, (iv) 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 and (v) there has been no material loss or interference with the Company&rsquo;s business from fire, explosion,
flood 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 set forth or contemplated in the Registration Statement, the Disclosure Package and the Prospectus.</P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(h) <I>Good
Standing of the Company</I>. The Company has been duly organized and is validly existing as a corporation in good standing under the laws
of the State of Washington and has corporate power and authority to own or lease, as the case may be, and operate its properties and to
conduct its business as described in the Registration Statement, the 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
(to the extent that such concepts are applicable in any such jurisdiction) 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 reasonably be expected to, singly or in the aggregate, result in a Material Adverse Effect.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(i) <I>Good
Standing of Subsidiaries</I>. HomeStreet Bank (the &ldquo;<B>Bank</B>&rdquo;) is a bank chartered under the laws of the State of Washington
and the charter of the Bank is in full force and effect. The Bank is the only &ldquo;<B>significant subsidiary</B>&rdquo; of the Company
(as such term is defined in Rule 1-02 of Regulation S-X). Each other subsidiary (as defined in Rule 405 of the Securities Act Regulations)
of the Company (each, a &ldquo;<B>Subsidiary</B>&rdquo;) 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 (to the extent that such concepts
are applicable in such jurisdiction), has the requisite corporate or organizational power and authority to own or lease, as the case may
be, and operate its properties and to conduct its business as described in the Registration Statement, the 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 (to the extent that such concepts are applicable in any such jurisdiction), 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 (to the extent that such concepts are applicable in any such jurisdiction) would not reasonably be expected to, singly or in
the aggregate, result in a Material Adverse Effect. Except as otherwise disclosed in the Registration Statement, the Disclosure Package
and the Prospectus, all of the issued and outstanding equity interests of each such Subsidiary has been duly authorized and validly issued,
is fully paid and non-assessable (to the extent that such concepts are applicable in such jurisdictions) 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 equity interests of any Subsidiary was issued in violation of the preemptive or similar rights of any securityholder
of such Subsidiary arising by operation of law, or under the articles of incorporation, bylaws or other organizational documents of the
Company or any Subsidiary or under any agreement to which the Company or any Subsidiary is a party. The only Subsidiaries of the Company
are those listed on <U>Schedule III</U> hereto.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(j) <I>Capitalization</I>.
The authorized, issued and outstanding capital stock of the Company is as set forth in the Registration Statement, the Disclosure Package
and the Prospectus in the column entitled &ldquo;Actual&rdquo; under the caption &ldquo;Capitalization&rdquo; (except for share repurchases
pursuant to the Company&rsquo;s share repurchase program disclosed in the Registration Statement, the Disclosure Package and the Prospectus
and subsequent issuances, if any, pursuant to reservations, agreements or employee benefit plans referred to or as otherwise disclosed
in the Registration Statement, the Disclosure Package and the Prospectus or pursuant to the exercise of convertible securities or options
or the vesting of restricted stock units referred to in the Registration Statement, the Disclosure Package and the Prospectus). All issued
and outstanding shares of common stock of the Company, no par value (&ldquo;<B>Common Stock</B>&rdquo;), have been duly authorized and
validly issued and are fully paid and non-assessable; none of the outstanding shares of Common Stock were 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 any Subsidiary or under any agreement to which the
Company or any Subsidiary is a party.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(k) <I>Authorization
of Agreement</I>. All action required to be taken for the due and proper authorization, execution and delivery by the Company 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(l) <I>Authorization
of Indenture</I>. The Indenture has been duly authorized by the Company and, when executed and delivered by the Company, the Indenture
will constitute 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 (i) bankruptcy, insolvency, reorganization, moratorium, fraudulent conveyance or other
similar laws now or hereafter in effect relating to creditors&rsquo; rights generally, (ii) general principles of equity (regardless of
whether enforceability is considered in a proceeding at law or in equity) and (iii) with respect to the rights to indemnity or contribution,
including but not limited to, indemnification and contribution provisions set forth in this Agreement, federal or state securities law
or the public policy underlying such laws (collectively, the &ldquo;<B>Enforceability Exceptions</B>&rdquo;).</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(m) <I>Authorization
of Securities</I>. The Securities have been duly authorized by the Company and, at the Closing Time, will have been duly executed by the
Company and, when authenticated, issued and delivered in the manner provided for in the Indenture and paid for as provided in this Agreement,
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 the Enforceability Exceptions&#894; the Securities will be in the form contemplated
by, and will be entitled to the benefits of, the Indenture.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(n) <I>Descriptions
of Securities</I>. The Securities will conform, in all material respects, to all statements relating thereto contained in the Registration
Statement, the Disclosure Package and the Prospectus.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(o) <I>Qualification
under the TIA</I>. The Indenture has been duly qualified with respect to the Securities under the TIA.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(p) <I>Registration
Rights</I>. There are no contracts, agreements or understandings between the Company and any person granting such person registration
rights or other similar rights to have any securities registered for resale pursuant to the Registration Statement or otherwise registered
by the Company under the Securities Act.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(q) <I>Absence
of Defaults and Conflicts</I>. The Company is not in violation of its Restated Articles of Incorporation, as restated effective as of
July 30, 2019 (the &ldquo;<B>Charter</B>&rdquo;), or Amended and Restated Bylaws (the &ldquo;<B>Bylaws</B>&rdquo;); 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, &ldquo;<B>Agreements and Instruments</B>&rdquo;), 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 in all cases for such violations or defaults that
would not reasonably be expected to, singly or in the aggregate, result in a Material Adverse Effect. The execution, delivery and performance
of the Operative Documents and the Securities by the Company, the issuance, sale and delivery of the Securities, the consummation of the
transactions contemplated by the Operative Documents and the Securities and in the Registration Statement, the Disclosure Package and
the Prospectus (including the use of the proceeds from the sale of the Securities as described in the Prospectus under the caption &ldquo;Use
of Proceeds&rdquo;), and compliance by the Company with the terms of the Operative Documents and the Securities 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 to, the Agreements and Instruments (except
for such conflicts, breaches, defaults, Repayment Events or liens, charges or encumbrances that would not reasonably be expected to, singly
or in the aggregate, 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 reasonably be expected to, singly or in the aggregate, result in a Material Adverse Effect).
As used herein, a &ldquo;<B>Repayment Event</B>&rdquo; 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&rsquo;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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

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

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(r) <I>Absence
of Labor Dispute</I>. 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&rsquo;s
principal suppliers, manufacturers, customers or contractors, which, in either case, would reasonably be expected to, singly or in the
aggregate, result in a Material Adverse Effect.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(s) <I>Absence
of Proceedings</I>. 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, if determined adversely to
the Company or any Subsidiary, singly or in the aggregate, would reasonably be expected to result in a Material Adverse Effect. Except
as disclosed in the Registration Statement, the Disclosure Package or the Prospectus, there are no 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, including ordinary
routine litigation incidental to the business, which would, in the aggregate, reasonably be expected to result in a Material Adverse Effect.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(t) <I>Bank
Holding Company Act</I>. The Company has been duly registered as, and meets in all material respects the applicable requirements for qualification
as, a bank holding company and has elected to be treated as a financial 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 financial holding company under
applicable law and the rules and regulations of the Board of Governors of the Federal Reserve System (the &ldquo;<B>Federal Reserve</B>&rdquo;)
set forth in Title 12 of the Code of Federal Regulations.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(u) <I>Compliance
with Bank Regulatory Authorities</I>. The Company and each of its Subsidiaries is 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 Federal
Reserve, the Federal Deposit Insurance Corporation (the &ldquo;<B>FDIC</B>&rdquo;), and the Division of Banks of the Washington State
Department of Financial Institutions (the &ldquo;<B>DOB</B>&rdquo;), as applicable (collectively, the &ldquo;<B>Bank Regulatory Authorities</B>&rdquo;),
as well as the Equal Credit Opportunity Act, the Fair Housing Act, the Truth in Lending Act, the Community Reinvestment Act (the &ldquo;<B>CRA</B>&rdquo;),
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. 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 could cause the Bank (A) 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 &ldquo;satisfactory,&rdquo;
or (B) to be deemed to be operating in violation, in any material respect, of the Bank Secrecy Act of 1970 (or otherwise known as the
&ldquo;Currency and Foreign Transactions Reporting Ac<B>t</B>&rdquo;), the USA Patriot Act (or otherwise known as &ldquo;Uniting and Strengthening
America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001&rdquo;) or any order issued with respect
to the Anti-Money Laundering Laws (as defined below). As of September 30, 2021, the Bank met or exceeded the standards necessary to be
considered &ldquo;well capitalized&rdquo; under the FDIC&rsquo;s regulatory framework for prompt corrective action. The Bank has been
duly chartered, is validly existing under the laws of the State of Washington and holds the requisite authority to do business as a state-chartered
bank with banking powers under the laws of the State of Washington. 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 State of Washington. Since December 31, 2019, each of the Company, the Bank and each of their respective 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 DOB 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 &ldquo;<B>Company Reports</B>.&rdquo; As of
their respective dates, the Company Reports complied as to form in all material respects with all applicable rules and regulations promulgated
by the Federal Reserve, the FDIC, the DOB and any other applicable federal or state banking authorities, as the case may be.</P>

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

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

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(v) <I>Regulatory
Enforcement Matters.</I> Except as disclosed in the Registration Statement, the Disclosure Package and the Prospectus, none of the Company,
the Bank or any of their respective subsidiaries is a party or subject to any formal or informal agreement, memorandum of understanding,
consent decree, directive, cease-and-desist 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 DOB or any other bank regulatory authority that 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, where such
order, decree, agreement, memorandum of understanding, extraordinary supervisory letter, commitment letter or similar submission would
reasonably be expected to result in a Material Adverse Effect. 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&rsquo;s other Subsidiaries, which would reasonably
be expected to result in a Material Adverse Effect.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(w) <I>Absence
of Further Requirements</I>. 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 the
Operative Documents or the Securities, or the consummation of the transactions contemplated thereunder, except such as have been already
obtained or as may be required under the Securities Act, the Securities Act Regulations, the Exchange Act, the Exchange Act Regulations,
the rules of Nasdaq, the securities laws of any state or non-U.S. jurisdiction or the rules of FINRA. All of the information provided
to the Underwriters or to counsel for the Underwriters by the Company, its counsel, its officers and directors and the holders of any
securities (debt or equity) or options to acquire any securities of the Company in connection with the offering of the Securities and
for the purpose of compliance with the rules of FINRA is true, complete, and correct in all material respects, and any letters, filings
or other supplemental information provided to FINRA pursuant to FINRA Rules or National Association of Securities Dealers Conduct Rules
are true, complete and correct in all material respects.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(x) <I>Possession
of Licenses and Permits</I>. The Company and its Subsidiaries possess such permits, licenses, approvals, registrations, memberships, consents
and other authorizations (collectively, &ldquo;<B>Governmental Licenses</B>&rdquo;) 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, reasonably be expected to result in 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, except where the
invalidity of such Governmental License or the failure of such Governmental License to be in full force and effect would not reasonably
be expected to result in a Material Adverse 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 which, if the subject of an unfavorable decision, ruling
or finding, would reasonably be expected to result in a Material Adverse Effect. 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, except where such failure to be so in compliance would not reasonably be expected to, singly or in the aggregate, result in
a Material Adverse Effect, 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(y) <I>Title
to Property</I>. 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 (other than Intellectual Property (as defined below), which rights are addressed
exclusively in Section 1(z) hereof) 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 (i) are described in the Registration Statement, the Disclosure Package
and the Prospectus or (ii) do not materially affect the value of such property and do not interfere 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 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 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(z) <I>Possession
of Intellectual Property</I>. The Company and its Subsidiaries own or possess, or can acquire on reasonable terms, adequate patents, patent
rights, licenses, inventions, copyrights, know-how (including trade secrets and other unpatented and/or unpatentable proprietary or confidential
information, systems or procedures and excluding generally commercially available &ldquo;off the shelf&rdquo; software programs licensed
pursuant to shrink wrap or &ldquo;click and accept&rdquo; licenses), systems, technology, trademarks, service marks, trade names or other
intellectual property (collectively, &ldquo;<B>Intellectual Property</B>&rdquo;) reasonably necessary to carry on the business now operated
by them, except where the failure to own or possess such Intellectual Property would not, singly or in the aggregate, reasonably be expected
to result in a Material Adverse Effect, and neither the Company nor any of its Subsidiaries has received any notice or is otherwise aware
of any infringement of or conflict with asserted rights of others with respect to any Intellectual Property or of any facts or circumstances
which would reasonably be expected to render any Intellectual Property invalid or inadequate to protect the interest of the Company or
any of its Subsidiaries therein, except where such infringement or conflict (if the subject of an unfavorable ruling or finding) or invalidity
or inadequacy, singly or in the aggregate, would not result in a Material Adverse Effect<FONT STYLE="font-size: 10pt">.</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(aa) <I>Environmental Laws</I>. Except
as described in the Registration Statement and except as would not, singly or in the aggregate, reasonably be expected to result in a
Material Adverse Effect, (i) neither the Company nor any of its Subsidiaries is in violation of any applicable 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,
&ldquo;<B>Hazardous Materials</B>&rdquo;) or to the manufacture, processing, distribution, use, treatment, storage, disposal, transport
or handling of Hazardous Materials (collectively, &ldquo;<B>Environmental Laws</B>&rdquo;), (ii) the Company and its Subsidiaries have
all permits, authorizations and approvals required for their operations under any applicable Environmental Laws and are each in compliance
with their requirements, (iii) there are no pending or, to the Company&rsquo;s knowledge, 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 and (iv) to the Company&rsquo;s knowledge, there are no events or
circumstances existing, singly or in the aggregate, that would reasonably be expected to result in forming the basis of an order for clean-up
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.</P>

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

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

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(bb) <I>ERISA</I>. Each employee
benefit plan, within the meaning of Section 3(3) of the Employee Retirement Income Security Act of 1974, as amended, and the regulations
and published interpretations thereunder (collectively, &ldquo;<B>ERISA</B>&rdquo;), that is maintained, administered or contributed to
by the Company or any Subsidiary or any trade or business, whether or not incorporated, which would be treated as a single employer with
the Company or the Subsidiaries pursuant to Section 414 of the Internal Revenue Code of 1986, as amended (the &ldquo;<B>Code</B>&rdquo;)
or 4001(b) of ERISA (an &ldquo;<B>ERISA Affiliate</B>&rdquo;) for employees or former employees of the Company and its affiliates, or
pursuant to which the Company, a Subsidiary, or one of their ERISA Affiliates has any liability (each, a &ldquo;<B>Plan</B>&rdquo;) 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. To the knowledge of the Company, no &ldquo;prohibited transaction,&rdquo; within the
meaning of Section 406 of ERISA or Section 4975 of the Code has occurred with respect to any such Plan excluding transactions effected
pursuant to a statutory or administrative exemption. No &ldquo;reportable event&rdquo; (as defined under ERISA) has occurred or is reasonably
expected to occur with respect to any &ldquo;employee benefit plan&rdquo; established or maintained by the Company or its Subsidiaries.
No Plan is subject to Title IV of ERISA or the minimum funding standard provisions set out in Sections 302 of ERISA or 412 of the Code.
Neither the Company, the Subsidiaries nor any of their ERISA Affiliates has incurred or reasonably expects to incur any liability under
(i) Title IV of ERISA with respect to termination of, or withdrawal from, any &ldquo;employee benefit plan,&rdquo; or (ii) Sections 412,
4971, 4975 or 4980B of the Code (excluding any liability for premiums for health care continuation benefits to which the Company, its
Subsidiaries, or its ERISA Affiliates have contractually agreed to pay pursuant to employment, consulting, or severance agreements). Each
Plan that is intended to be qualified under Section 401(a) of the Code is so qualified and nothing has occurred, whether by action or
failure to act, which is reasonably expected to result in the loss of such qualification. To the knowledge of the Company, 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 with respect to any Plan.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(cc) <I>Internal Control Over Financial
Reporting</I>. The Company and each of its Subsidiaries maintain a system of internal control over financial reporting (as such term is
defined in Rule 13a-15(f) of the Exchange Act Regulations) that complies in all material respects with the requirements of the Exchange
Act and has been designed by, or under the supervision of, the Company&rsquo;s principal executive officer and principal financial officer
and is sufficient to provide reasonable assurance that: (i) transactions are executed in accordance with management&rsquo;s general or
specific authorizations; (ii) transactions are recorded as necessary to permit preparation of financial statements in conformity with
GAAP and to maintain asset accountability; (iii) access to assets is permitted only in accordance with management&rsquo;s general or specific
authorization; (iv) 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 (v) the interactive data in Inline 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&rsquo;s rules and guidelines applicable thereto. Except as described
in the Registration Statement, the Disclosure Package and the Prospectus, since the end of the Company&rsquo;s most recent audited fiscal
year, (A) there has been no material weakness in the Company&rsquo;s internal control over financial reporting (whether or not remediated),
(B) there has been no change in the Company&rsquo;s internal control over financial reporting that has materially adversely affected,
or is reasonably likely to materially adversely affect, the Company&rsquo;s internal control over financial reporting and (C) the Company
has not been advised of (1) any significant deficiencies in the design or operation of its internal control over financial reporting that
could adversely affect the ability of the Company or any Subsidiary to record, process, summarize and report financial data, or any material
weaknesses in the Company&rsquo;s internal control over financial reporting, or (2) any fraud, whether or not material, that involves
management or other employees who have a significant role in the internal control over financial reporting of the Company or its Subsidiaries.</P>

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

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

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(dd) <I>Disclosure Controls and Procedures</I>.
The Company and its Subsidiaries employ disclosure controls and procedures (as such term is defined in Rule 13a-15(e) of the Exchange
Act Regulations), which (i) 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&rsquo;s
rules and forms and that material information relating to the Company and its Subsidiaries is made known to the Company&rsquo;s principal
executive officer and principal financial officer by others within the Company and its Subsidiaries to allow timely decisions regarding
disclosure, (ii) have been evaluated by management of the Company for effectiveness as of the end of the Company&rsquo;s most recent fiscal
quarter, and (iii) were then effective in all material respects to perform the functions for which they were established. Based on the
evaluation of the Company&rsquo;s and each Subsidiary&rsquo;s disclosure controls and procedures described above, the Company is not aware
of (A) any significant deficiency in the design or operation of internal controls which could adversely affect the Company&rsquo;s or
its Subsidiaries&rsquo; ability to record, process, summarize and report financial data or any material weaknesses in internal controls
or (B) any fraud, whether or not material, that involves management or other employees who have a significant role in the Company&rsquo;s
or its Subsidiaries&rsquo; internal controls. Since the most recent evaluation of the Company&rsquo;s disclosure controls and procedures
described above, there have been no changes in internal controls or in other factors that could significantly and adversely affect internal
controls.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(ee) <I>Compliance with the Sarbanes-Oxley
Act</I>. The Company and its directors and officers, in their capacities as such, are in compliance in all material respects with all
applicable provisions of the Sarbanes Oxley Act and the rules and regulations promulgated in connection therewith.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(ff) <I>Pending Procedures and Examinations</I>.
The Registration Statement is not the subject of a pending proceeding or examination under Section 8(d) or 8(e) of the Securities Act,
and the Company is not the subject of a pending proceeding under Section 8A of the Securities Act in connection with the offering of the
Securities.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(gg) <I>Payment of Taxes</I>. All
United States federal income tax returns of the Company and the Subsidiaries required by law to be filed have been timely filed (taking
into account any valid extensions) and all taxes shown by such returns or otherwise assessed, which are due and payable, have been paid,
except assessments that have been or will be promptly contested in good faith and as to which adequate reserves have been provided in
the Company&rsquo;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,
singly 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 re-assessments for additional income tax for any years not finally determined. Except as otherwise disclosed in the Registration
Statement, the Disclosure Package and the Prospectus, there is no 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(hh) <I>Insurance</I>. 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; 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 reasonably be expected to result in a Material Adverse Effect. All such insurance is
fully in force as of the date hereof.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(ii) <I>Investment
Company Act</I>. The Company is not, and immediately following consummation of the transactions contemplated hereby and the application
of the net proceeds therefrom as described in the Disclosure Package and the Prospectus, the Company will not be, an &ldquo;investment
company&rdquo; or an entity controlled by an &ldquo;investment company,&rdquo; in each case within the meaning of Section 3(a) of the
Investment Company Act of 1940, as amended (the &ldquo;<B>Investment Company Act</B>&rdquo;), without regard to Section 3(c) of the Investment
Company Act.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(jj) <I>Stabilization</I>. Neither
the Company nor any of its Subsidiaries, nor any controlled affiliates of the Company or its Subsidiaries, has taken, directly, or indirectly,
and neither the Company nor any of the Subsidiaries, nor any controlled affiliates of the Company or its Subsidiaries, will take, directly
or indirectly, any action designed 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 &ldquo;reference security&rdquo; (as defined in Rule 100 of Regulation
M of the Exchange Act Regulations) to facilitate the sale or resale of the Securities or otherwise, and has taken no action which would
directly or indirectly violate Regulation M of the Exchange Act Regulations.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(kk) <I>Foreign Corrupt Practices
Act</I>. None of the Company, any of its Subsidiaries or any directors or officers or, to the knowledge of the Company, any agent or employee
of the Company or any of its Subsidiaries has: (i) used any corporate funds for any unlawful contribution, gift, entertainment or other
unlawful expense relating to political activity in violation of the Foreign Corrupt Practices Act of 1977, as amended (the &ldquo;<B>FCPA</B>&rdquo;);
(ii) made or taken an act in furtherance of an offer, promise or authorization of any direct or indirect unlawful payment to any foreign
or domestic government official or employee from corporate funds; (iii) violated or is in violation of any provision of the FCPA, or any
applicable non-U.S. anti-bribery statute or regulation; or (iv) made, offered, agreed, requested or taken an act in furtherance of any
unlawful bribe, rebate, payoff, influence payment, kickback or other unlawful payment<FONT STYLE="font-size: 10pt">. </FONT>To the knowledge
of the Company, its affiliates have conducted their businesses in compliance with the FCPA 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(ll) <I>Anti-Money Laundering Laws</I>.
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 in all material respects with applicable financial recordkeeping and reporting requirements of the
Currency and Foreign Transactions Reporting Act of 1970, the money laundering statutes of all applicable jurisdictions and the rules and
regulations thereunder issued, administered or enforced by any governmental agency or body (collectively, the &ldquo;<B>Anti-Money Laundering
Laws</B>&rdquo;); and no action, suit or proceeding by or before any court, governmental agency or body involving the Company or any of
its Subsidiaries with respect to the Anti-Money Laundering Laws is pending or, to the best knowledge of the Company, threatened.</P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(mm) <I>OFAC</I>. None of the Company
or any of its Subsidiaries, nor any officer or director of either the Company or any of its Subsidiaries, or, to the knowledge of the
Company, any agent, employee, affiliate or person acting on behalf of the Company or any of its Subsidiaries is or has been (i) engaged
in any services (including financial services), transfers of goods, software, or technology, or any other business activity related to
(A) Cuba, Iran, North Korea, Sudan, Syria or the Crimea region of Ukraine claimed by Russia (&ldquo;<B>Sanctioned Countries</B>&rdquo;),
(B) the government of any Sanctioned Country, (C) 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 (D) 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 of
the Office of Foreign Assets Control of the U.S. Treasury Department , or by the United Nations Security Council, the European Union,
Her Majesty&rsquo;s Treasury, or other relevant sanctions authority (collectively, &ldquo;<B>Sanctions</B>&rdquo;); (ii) 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; (iii) a person, entity or organization
currently the subject of any Sanctions; or (iv) located, organized or resident in any Sanctioned Country.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(nn) <I>No Restrictions on Subsidiaries</I>.
Except in each case as otherwise disclosed in the Registration Statement, the Disclosure Package and 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&rsquo;s equity interests, from repaying
to the Company any loans or advances to such Subsidiary from the Company or from transferring any of such Subsidiary&rsquo;s properties
or assets to the Company or any other Subsidiary of the Company.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(oo) <I>Statistical
and Market-Related Data</I>. The statistical and market-related data contained in the Registration Statement, the Disclosure Package and
the Prospectus are based on or derived from sources which the Company believes are reliable and accurate.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(pp) <I>Distribution of Offering
Material By the Company</I>. The Company has not distributed and will not distribute, prior to the later of the Closing Time and the completion
of the Underwriters&rsquo; 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 Disclosure Package, the Prospectus, any Issuer Free
Writing Prospectus reviewed and consented to by the Representative and included in <U>Schedule II</U> hereto or any electronic road show
or other written communications reviewed and consented to by the Representative and listed on <U>Schedule II</U> hereto (each, a &ldquo;<B>Company
Additional Written Communication</B>&rdquo;). Each such Company Additional Written Communication, when taken together with the 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 the Underwriter
Information.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(qq) <I>Forward-Looking Statements</I>.
Each financial or operational projection or other &ldquo;forward-looking statement&rdquo; (as defined by Section 27A of the Securities
Act or Section 21E of the Exchange Act) contained in the Registration Statement, the Disclosure Package and the Prospectus (i) 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 (ii) 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(rr) <I>No Brokers</I>. 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&rsquo;s fee or any other fee, commission or payment as a result of the transactions contemplated by this Agreement.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(ss) <I>Deposit Insurance</I>. 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(tt) <I>Derivative Instruments</I>.
Except as has not resulted in or would not reasonably be expected to result in a Material Adverse Effect, any and all material swaps,
caps, floors, futures, forward contracts, option agreements (other than options issued under the Company&rsquo;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 result in a Material Adverse Effect.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(uu) <I>Contracts</I>. The material
contracts or agreements to which the Company or any of its Subsidiaries is a party have been duly and validly authorized, executed and
delivered by the Company or its Subsidiaries, as the case may be, and constitute the legal, valid and binding agreements of the Company
or its Subsidiaries, enforceable by and against it in accordance with their respective terms, except as such enforceability may be limited
by the Enforceability Exceptions. Except as would not reasonably be expected to result in a Material Adverse Effect, neither the Company
nor any significant subsidiary of the Company has sent or received any communication regarding termination of, or intent not to renew,
any of the material contracts or agreements, and no such termination or non-renewal has been threatened by the Company or any significant
subsidiary of the Company or, to the Company&rsquo;s knowledge, any other party to any such material contract or agreement.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(vv) <I>Officer&rsquo;s Certificates</I>.
Any certificate signed by any officer of the Company or any of its Subsidiaries delivered to the Representative or to counsel for the
Underwriters pursuant to this Agreement shall be deemed a representation and warranty by the Company to each Underwriter as to the matters
covered thereby.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(ww) <I>IT Systems</I>. The Company
and its Subsidiaries&rsquo; information technology assets and equipment, computers, systems, networks, hardware, software, websites, applications,
and databases (collectively, &ldquo;<B>IT Systems</B>&rdquo;) are adequate for, and operate and perform as required in connection with,
the operation of the business of the Company and its Subsidiaries as currently conducted, and free and clear of all bugs, errors, defects,
Trojan horses, time bombs, malware and other corruptants, except, in each case, as would not, singly or in the aggregate, reasonably be
expected to result in a Material Adverse Effect. The Company and its Subsidiaries have implemented and maintained controls, policies,
procedures, and safeguards designed to maintain and protect their confidential information and the integrity, continuous operation, redundancy
and security of all IT Systems and data (including all personal, personally identifiable, sensitive, confidential or regulated data (&ldquo;<B>Personal
Data</B>&rdquo;)) used in connection with their businesses consistent with industry standards and practices, and, to the knowledge of
the Company, there have been no breaches, violations, outages or unauthorized uses of or accesses to same, nor any incidents under internal
review or investigations relating to the same, except where failure to implement or maintain such controls, policies, procedures and safeguards
or the occurrence of breaches, violations, outages or unauthorized uses or access would not, singly or in the aggregate, reasonably be
expected to result in a Material Adverse Effect. The Company and its Subsidiaries are presently in compliance with all applicable laws
or statutes and all applicable 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 Personal Data and to the protection
of such IT Systems and Personal Data from unauthorized use, access, misappropriation or modification, except where failure in compliance
would not, singly or in the aggregate, reasonably be expected to result in a Material Adverse Effect.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
2. </B></FONT><U>Sale and Delivery to Underwriters; Closing</U>.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(a) <I>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 the Securities set forth opposite the name of such Underwriter on <U>Schedule II</U> hereto,
at a purchase price equal to 98.75% of the aggregate principal amount thereof.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(b) <I>Delivery</I>.
Delivery of the Securities shall be made through the facilities of DTC unless the Representative shall otherwise instruct, and payment
of the purchase price for the Securities shall be made by the Representative to the Company by wire transfer of immediately available
funds contemporaneous with closing at the offices of Covington &amp; Burling LLP, The New York Times Building, 620 Eighth Avenue, 42nd
Floor, New York, New York 10018, or such other place as may be agreed to by the Representative and the Company, no later than 10:00 a.m.
(New York City time) on January 19, 2022 or such other time not later than ten (10) business days after such date as shall be agreed upon
by the Representative and the Company (such time and date of payment and delivery being herein called the &ldquo;<B>Closing Time</B>&rdquo;).
It is understood that each Underwriter has authorized the Representative, 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. KBW, individually and not as Representative 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 Closing Time, but such payment shall not relieve such Underwriter from its obligations hereunder.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(c) <I>Payment</I>.
Payment for the Securities purchased by the Underwriters shall be made to the Company by wire transfer of immediately available funds
to a bank designated by the Company, against delivery for the benefit of the Representative for the respective accounts of the Underwriters
of one or more global notes representing the Securities (collectively, the &ldquo;<B>Global Note</B>&rdquo;) to be purchased by the Underwriters.
The Securities represented by the Global Note shall be in such denominations and registered in such names as the Representative may request
in writing at least one full business day prior to the Closing Time. The Global Note shall be made available for examination by the Representative
not later than 10:00 a.m. (New York City time) on the business day prior to the Closing Time.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(d) In
performing its duties under this Agreement, the Underwriters shall be entitled to rely upon any notice, signature or writing that the
Underwriters shall in good faith believe to be genuine and to be signed or presented by a proper party or parties. The Underwriters may
rely upon any opinions or certificates or other documents delivered by the Company or its counsel or designees to them.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
3. </B></FONT><U>Covenants of the Company</U>. The Company covenants with each Underwriter as follows:</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(a) <I>Compliance
with Commission Requests</I>. Until the Closing Time, the Company, subject to SECTION 3(b) hereof, will comply with the requirements of
Rule 430B, and will notify the Representative promptly, and confirm the notice in writing, (i) 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 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 SECTION 3 hereof, (ii) of the receipt of any comments from the Commission, (iii)
of any request by the Commission for any amendment to the Registration Statement or any amendment or supplement to the Disclosure Package
or the Prospectus, including any document incorporated by reference therein, or for additional information, (iv) 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 8(d) or 8(e) of the Securities Act concerning
the Registration Statement and (v) if the Company becomes the subject of a proceeding under Section 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 Closing Time, the Company will make every reasonable effort to prevent the
issuance of any stop, prevention or suspension order and, if any such order is issued, to obtain the lifting thereof as soon as possible.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(b) <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 &ldquo;Calculation of Registration Fee&rdquo; 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(c) <I>Continued
Compliance with Securities Laws</I>. The Company will comply with the Securities Act, the Securities Act Regulations, the Exchange Act,
the Exchange Act Regulations, the TIA and the TIA Regulations so as to permit the completion of the distribution of the Securities as
contemplated in this Agreement and in the Registration Statement, the 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 to be delivered in connection with sales of the Securities ending no later than nine (9) months from the date hereof
(the &ldquo;<B>Delivery Period</B>&rdquo;) 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) 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) amend or supplement the Disclosure Package or the Prospectus in order that the 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 is delivered
to a purchaser or (iii) amend the Registration Statement or amend or supplement the 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, the Exchange Act Regulations, the TIA or the TIA Regulations, the Company
will promptly (A) give the Representative written notice of such event or condition, (B) prepare any amendment or supplement as may be
necessary to correct such statement or omission or to make the Registration Statement, the Disclosure Package or the Prospectus comply
with such requirements and, a reasonable amount of time prior to any proposed filing or use, furnish the Representative with copies of
any such amendment or supplement and (C) 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 the Company shall not file or use any such amendment or supplement to
which the Representative or counsel for the Underwriters shall reasonably object. If, after the date of this Agreement and during any
time when a prospectus is required by the Securities Act to be delivered (whether physically or through compliance with Rule 172 under
the Securities Act or any similar rule), the Company receives notice pursuant to Rule 401(g)(2) under the Securities Act from the Commission
or otherwise ceases to be eligible to use the automatic shelf registration form, the Company shall promptly advise the Representative
in writing of such notice or ineligibility and will (1) promptly file a new registration statement or post-effective amendment on the
proper form relating to the Securities, (2) use its best efforts to cause such registration statement or post-effective amendment to be
declared effective by the Commission as soon as practicable and (3) promptly notify the Representative in writing of such effectiveness.
If at any time during the Delivery Period, any event shall occur or condition shall exist as a result of which the Disclosure Package
or such Issuer Free Writing Prospectus, individually or together with other information that is part of the Disclosure Package, as the
case may be, conflicted or would conflict with the information contained in the Registration Statement or any other registration statement
relating to the Securities or 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 prevailing at that subsequent time, not misleading,
the Company will promptly notify the Representative and will promptly amend or supplement, at the Company&rsquo;s own expense, the Disclosure
Package or such Issuer Free Writing Prospectus, as the case may be, to eliminate or correct such conflict, untrue statement or omission.</P>

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(d) <I>Filing
or Use of Amendments or Supplements</I>. During the Delivery Period, the Company (i) will furnish to the Representative 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 (ii) will not amend or supplement the Registration Statement without the Representative&rsquo;s
prior written consent, which consent shall not be unreasonably withheld or delayed. Prior to amending or supplementing any preliminary
prospectus or the Prospectus, the Company shall furnish to the Representative 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 Representative&rsquo;s prior written consent, which consent shall not
be unreasonably withheld or delayed.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(e) <I>Delivery
of Registration Statements</I>. The Company has furnished or will deliver to the Representative and counsel for the Underwriters, without
charge, conformed 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 conformed copies
of all consents and certificates of experts, and will also deliver to the Representative, upon request, without charge, a conformed copy
of the Registration Statement as originally filed and each amendment thereto (without exhibits) for each of the Underwriters. Any such
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 S-T.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(f) <I>Delivery
of Prospectuses</I>. The Company has delivered to each Underwriter, without charge, as many 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, unless, with the prior consent of the Representative, such delivery
requirement can be satisfied by the provisions of Rule 172 under the Securities Act. 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 S-T.</P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(g) <I>Blue
Sky Qualifications</I>. The Company will use its reasonable efforts, in cooperation with the Underwriters, to qualify the Securities for
offering and sale under the applicable securities laws of such states and non-U.S. jurisdictions as the Representative may reasonably
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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(h) <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 an earnings statement for the purposes of, and to provide to the Underwriters the benefits
contemplated by, the last paragraph of Section 11(a) of the Securities Act.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(i) <I>Reporting
Requirements</I>. The Company, during the Delivery Period, will file all documents required to be filed with the Commission by the Company
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 in all material respects.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(j) <I>Use
of Proceeds</I>. The Company will use the net proceeds received by it from the sale of the Securities as described in the Disclosure Package
and the Prospectus under &ldquo;Use of Proceeds.&rdquo;</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(k) <I>Issuer
Free Writing Prospectuses</I>. The Company agrees that, unless it obtains the prior written consent of the Representative, and each Underwriter
agrees that, unless it obtains the prior written consent of the Company and the Representative, it will not make any offer relating to
the Securities that would constitute an Issuer Free Writing Prospectus or that would otherwise constitute a &ldquo;free writing prospectus,&rdquo;
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 Representative will be deemed to have consented to any Issuer General Use Free Writing Prospectuses listed on <U>Schedule II</U> hereto
and any &ldquo;road show that is a written communication&rdquo; within the meaning of Rule 433(d)(8)(i) that has been reviewed by the
Representative. 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 Representative 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 Representative 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">Subject to the consent
of the Representative required in the immediately preceding paragraph, the Company will prepare a final term sheet relating solely to
the final pricing terms of the Securities and will file such final term sheet within the period required by Rule 433(d)(5)(ii) following
the date such final terms have been established for such Securities. Any such final term sheet is an Issuer General Use Free Writing Prospectus
and a Permitted Free Writing Prospectus for purposes of this Agreement. Notwithstanding anything to the contrary contained herein, the
Company consents to the use by any Underwriter of a free writing prospectus that contains only (a) (i) information describing the preliminary
terms of the Securities generally or the Securities specifically or their offering or (ii) information that describes the final terms
of the Securities or their offering and that is or is to be included in the final term sheet of the Company contemplated in the first
sentence of this paragraph or (b) other customary information that is not &ldquo;issuer information,&rdquo; as defined in Rule 433.</P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(l) <I>DTC</I>.
The Company will cooperate with the Underwriters and use its reasonable efforts to permit the Securities to be eligible for clearance,
settlement and trading through the facilities of DTC.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(m) <I>Investment
Company Act</I>. During the Delivery Period, the Company shall not invest 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(n) <I>No
Stabilization</I>. The Company will not take, and will ensure that no controlled affiliate of the Company will take, directly or indirectly,
any action designed to cause or result in or which constitutes or would reasonably be expected to constitute stabilization or manipulation
of the price of the Securities or any reference security with respect to the Securities.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(o) <I>Trademarks</I>.
Upon request of any Underwriter, to furnish, or cause to be furnished, to such Underwriter an electronic version of the Company&rsquo;s
trademarks, servicemarks and corporate logo for use on the website, if any, operated by such Underwriter for the purpose of facilitating
the on-line offering of the Securities (the &ldquo;<B>License</B>&rdquo;); 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(p) <I>NRSRO
Rating</I>. The Company will use commercially reasonable efforts to maintain a rating by a &ldquo;nationally recognized statistical rating
organization&rdquo; as defined in Section 3(a)(62) of the Exchange Act (&ldquo;<B>NRSRO</B>&rdquo;) while any Securities remain outstanding.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>SECTION 4. </B><U>Payment of Expenses</U>.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(a) <I>Expenses</I>.
Whether or not the transactions contemplated by this Agreement are consummated or this Agreement is terminated, the Company covenants
and agrees with the several Underwriters that the Company will pay or cause to be paid all expenses incident to the performance of its
obligations under this Agreement or the transactions contemplated hereby, including (i) the preparation, printing and filing of the Registration
Statement (including financial statements and exhibits) as originally filed and each amendment thereto, (ii) the preparation, printing
and delivery to the Underwriters of this Agreement and such other documents as may be required in connection with the offering, purchase,
sale, issuance or delivery of the Securities, (iii) the 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, (iv) the preparation, issuance and delivery of the Securities to the Underwriters,
(v) the fees and disbursements of the Company&rsquo;s counsel, accountants and other advisors, (vi) the qualification of the Securities
under securities laws in accordance with the provisions of SECTION 3(g) hereof, including filing fees and the reasonable and documented
fees and disbursements of counsel for the Underwriters in connection therewith and in connection with the preparation, printing and delivery
to the Underwriters of any Blue Sky Survey and any supplement thereto, and the fees and expenses of making the Securities eligible for
clearance, settlement and trading through the facilities of DTC, (vii) any fees payable in connection with the rating of the Securities,
(viii) the costs and expenses of the Company relating to investor presentations on any &ldquo;road show&rdquo; 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, and any travel and lodging expenses of the
representatives and officers of the Company and any such consultants, (ix) any filing fees incident to, and the reasonable and documented
fees and disbursements of counsel to the Underwriters incurred in connection with determining the Underwriters&rsquo; compliance with
FINRA rules and regulations applicable to their participation in the offering and the sale of the Securities (which fees and disbursements
of counsel to the Underwriters, together with the fees and disbursements of counsel to the Underwriters referred to in subclause (vi)
above, shall not exceed $10,000 in the aggregate), (x) 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 SECTION 1(c), (xi) fees and disbursements
of Trustee and its counsel and (xii) the legal fees and expenses (including reasonable fees and disbursements of the counsel for the Underwriters),
marketing and syndication expenses, and any expenses related to an investor presentation and/or roadshow that are incurred by the Underwriters,
provided that the aggregate amount of fees and expenses to be paid by the Company pursuant to this subclause (xii) shall not exceed $150,000
in the aggregate; <U>provided</U>, that except as provided in this Section, SECTION 7, SECTION 10(a)(1) and SECTION 11(a)(ii) hereof,
the Underwriters will pay all of their own costs and expenses, including transfer taxes on resale of any of the Securities by them, the
cost of preparing and distributing any term sheet prepared by any Underwriter.</P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(b) <I>Termination
of Agreement</I>. If this Agreement is terminated by the Representative in accordance with the provisions of SECTION 6, SECTION 10(a)
or SECTION 11 hereof, the Company shall reimburse the Underwriters for all of their reasonable and documented out-of-pocket expenses,
including the reasonable and documented fees and disbursements of counsel for the Underwriters.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
5. </B></FONT><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 Representative, 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 &ldquo;free writing prospectus,&rdquo; as defined in
Rule 405, required to be filed with the Commission.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
6. </B></FONT><U>Conditions of Underwriters&rsquo; Obligations</U>. The obligations of the several Underwriters to purchase the Securities
at the Closing Time as provided herein are subject to the accuracy of the representations and warranties of the Company 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">(a) <I>Effectiveness
of Registration Statement, etc</I>. The Registration Statement was filed by the Company with the Commission and had become effective 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. At the Closing Time, 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, to the knowledge of the Company, 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&rsquo;s knowledge, contemplated. The Company has complied
with each request (if any) from the Commission for additional information with respect to the Registration Statement. 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 &ldquo;Calculation of Registration Fee&rdquo; 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(b) <I>Opinion
of Counsel for Company</I>. At the Closing Time, the Representative shall have received the favorable opinion and negative assurance statement,
each dated as of the Closing Time, of Orrick, Herrington &amp; Sutcliffe LLP, counsel for the Company, in form and substance reasonably
satisfactory to the Representative and substantially in the form of <U>Exhibit A</U> hereto. 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(c) <I>Opinion
of Counsel for Underwriters</I>. At the Closing Time, the Representative shall have received the favorable opinion and negative assurance
statement, each dated as of the Closing Time, of Covington &amp; Burling LLP, counsel for the Underwriters, in form and substance reasonably
satisfactory to the Representative. 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 opinion of counsel satisfactory
to the Representative. 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(d) <I>Officers&rsquo;
Certificate of the Company</I>. At the Closing Time, the Representative 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) there has been no Material Adverse Effect, (ii) 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, and (iii) 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.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(e) <I>Comfort
Letters</I>. At the time of the execution of this Agreement, the Representative shall have received from Deloitte, a letter, dated as
of such date, in form and substance reasonably satisfactory to the Representative, containing statements and information of the type ordinarily
included in accountants&rsquo; &ldquo;comfort letters&rdquo; to underwriters with respect to the financial statements and financial information
contained in the Registration Statement and the Disclosure Package.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(f) <I>Bring-down
Comfort Letter</I>. At the Closing Time, the Representative shall have received from Deloitte, a letter, dated as of the Closing Time,
to the effect that they reaffirm the statements made in the letter furnished pursuant to SECTION 6(e) hereof, except that the documents
included shall include the Prospectus and the specified date referred to shall be a date not more than three business days prior to the
Closing Time.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(g) <I>Ratings</I>.
At the Closing Time, the Securities will be rated at least BBB- by Kroll Bond Rating Agency, Inc. Subsequent to the execution of this
Agreement, there shall not have occurred a downgrading in or withdrawal of the rating assigned to the Securities or any other securities
of the Company by any NRSRO, and no such organization shall have publicly announced that it has under surveillance or review, or has changed
its outlook with respect to, its rating of the Securities or any other securities of the Company (other than an announcement with positive
implications of a possible upgrading).</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(h) <I>DTC</I>.
At the Closing Time, the Securities shall be eligible for clearance, settlement and trading through the facilities of DTC.</P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(i) <I>No
Objection</I>. If applicable, FINRA shall have raised no objection with respect to the fairness and reasonableness of the underwriting
terms and arrangements relating to the offering of the Securities, which objection has not been withdrawn or otherwise satisfied.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(j) <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 business day next succeeding the date of this Agreement.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(k) <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 SECTION 10(a).</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(l) <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 remains in effect and would, as
of the Closing Time, prevent the issuance or sale of the Securities; and no injunction or order of any federal, state or foreign court
shall have been issued that remains in effect and would, as of the Closing Time, prevent the issuance or sale of the Securities.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">(m) <I>Good
Standing</I>. The Representative shall have received, on and as of the Closing Time, satisfactory evidence of the good standing of the
Company and each significant subsidiary of the Company 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="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(n) <I>Additional
Documents</I>. On the Closing Time, counsel for the Underwriters shall have been furnished with such documents, opinions and certificates
as they may reasonably require for the purpose 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 of the Company, 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 herein contemplated
shall be in form and substance reasonably satisfactory to the Representative and counsel for the Underwriters.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(o) <I>Termination
of Agreement</I>. If any condition specified in this SECTION 6 shall not have been fulfilled when and as required to be fulfilled, this
Agreement, may be terminated by the Representative by notice to the Company at any time prior to Closing Time and such termination shall
be without liability of any party to any other party except as provided in SECTION 4 and except that SECTION 1, SECTION 4, SECTION 7,
SECTION 8, SECTION 9, SECTION 14, SECTION 15, SECTION 16 and SECTION 17 shall survive any such termination and remain in full force and
effect.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>SECTION 7. </B></FONT><U>Indemnification</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">(a) <I>Indemnification
of Underwriters</I>. The Company, agrees to indemnify and hold harmless each Underwriter and their respective affiliates (as such term
is defined in Rule 405 of the Securities Act Regulations (each, an &ldquo;<B>Affiliate</B>&rdquo;)), selling agents, officers, partners,
managers and directors and each person, if any, who controls any Underwriter within the meaning of Section 15 of the Securities Act or
Section 20 of the Exchange Act as follows:</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(i) 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, the Disclosure Package or the Prospectus (or any amendment
or supplement thereto), or the omission or alleged omission from any preliminary prospectus, any Issuer Free Writing Prospectus, the 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(ii) 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 SECTION
7(d) hereof) any such settlement is effected with the written consent of the Company; and</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(iii) against
any and all expense whatsoever, as incurred (including the fees and disbursements of counsel), 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 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) or (ii) above; 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 Disclosure Package or the Prospectus (or any amendment or supplement
thereto) in reliance upon and in conformity with the Underwriter Information.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(b) <I>Indemnification
of Company, Directors and Officers</I>. Each Underwriter severally agrees to indemnify and hold harmless the Company, each of the Company&rsquo;s
directors, each of the Company&rsquo;s officers who signed the Registration Statement, and each person, if any, who controls the Company
within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act against any and all loss, liability, claim, damage
and expense described in the indemnity contained in SECTION 7(a) 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 Disclosure Package
or the Prospectus (or any amendment or supplement thereto) in reliance upon and in conformity with the Underwriter Information.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(c) <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 SECTION 7(a) hereof, counsel to the indemnified parties shall be selected by the Representative,
and, in the case of parties indemnified pursuant to SECTION 7(b) 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 or, if it so elects within a reasonable time
after receipt of such notice, to assume the defense of any suit brought to enforce any such claim; but if it so elects to assume the defense,
such defense shall be conducted by counsel chosen by it and approved by the indemnified parties, which approval shall not be unreasonably
withheld. In the event that an indemnifying party elects to assume the defense of any such suit and retain such counsel, the indemnified
party or parties shall bear the fees and expenses of any additional counsel thereafter retained by such indemnified party or parties;
provided, however, that the indemnified party or parties shall have the right to employ counsel (in addition to local counsel) to represent
the indemnified party or parties who may be subject to liability arising out of any action in respect of which indemnity may be sought
against the indemnifying party if (i) the employment of such counsel shall have been authorized in writing by one of the indemnifying
parties in connection with the defense of such action, or (ii) in the reasonable judgment of counsel for the indemnified party or parties,
there may be legal defenses available to such indemnified person which are different from or in addition to those available to such indemnifying
person, in which event the reasonable fees and expenses of appropriate separate counsel shall be borne by the indemnifying 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 SECTION 7 or SECTION 8 hereof (whether or not the indemnified parties are actual or potential
parties thereto), unless such settlement, compromise or consent (i) includes an unconditional release of each indemnified party from all
liability arising out of such litigation, investigation, proceeding or claim and (ii) 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 35.95pt">(d) <I>Settlement
without Consent if Failure to Reimburse</I>. If at any time an indemnified party shall have validly 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 SECTION 7(a)(ii) effected without its written consent if (i) such settlement is entered into more than 60
days after receipt by such indemnifying party of the aforesaid request, (ii) 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) 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
8. </B></FONT><U>Contribution</U>. If the indemnification provided for in SECTION 7 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) in such proportion as is appropriate to reflect the relative benefits received by the Company, on
the one hand, and the Underwriters, on the other hand, from the offering of the Securities pursuant to this Agreement or (ii) if the allocation
provided by clause (i) is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits
referred to in clause (i) above but also the relative fault of the Company, 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">The relative benefits
received by the Company, 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, on the one hand, and the total underwriting discounts
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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 35.95pt">The relative fault
of the Company, 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 or by the Underwriters and the parties&rsquo; relative intent, knowledge, access to information and opportunity
to correct or prevent such statement or omission.</P>

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

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

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    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">The Company and
the Underwriters agree that it would not be just and equitable if contribution pursuant to this SECTION 8 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 SECTION 8. The aggregate amount of losses, liabilities, claims,
damages and expenses incurred by an indemnified party and referred to above in this SECTION 8 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 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">Notwithstanding
any other provision of this SECTION 8, 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">No person guilty
of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to contribution from any
person who was not guilty of such fraudulent misrepresentation. The Underwriters&rsquo; respective obligations to contribute pursuant
to this SECTION 8 are several in proportion to their respective underwriting obligations set forth opposite their respective names in
<U>Schedule I</U> hereto and not joint.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">For purposes of
this SECTION 8, each person, if any, who controls an Underwriter within the meaning of Section 15 of the Securities Act or Section 20
of the Exchange Act and each Underwriter&rsquo;s Affiliates, officers, directors, partners, managers 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 15 of the Securities Act or Section 20 of the
Exchange Act shall have the same rights to contribution as the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
9. </B></FONT><U>Representations, Warranties and Agreements to Survive</U>. 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) 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&rsquo;s officers or directors or any person controlling
the Company and (ii) delivery of and payment for the Securities.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>SECTION 10. </B></FONT><U>Termination
of Agreement</U>.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(a) <I>Termination</I>.
The Representative may terminate this Agreement, by notice to the Company, at any time at or prior to the Closing Time, (i) if there has
been, in the judgment of the Representative, since the time of execution of this Agreement or since the respective dates as of which information
is given in the Registration Statement, the Disclosure Package or the Prospectus, any Material Adverse Effect, (ii) 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 a widespread outbreak of epidemic illnesses (including the novel coronavirus
COVID-19 to the extent that there is a material worsening of such outbreak that actually occurs after the date hereof in the markets in
which the Company operates), 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 Representative, impracticable or inadvisable to proceed with the completion of the offering of the
Securities or to enforce contracts for the sale of the Securities, (iii) if trading in any securities of the Company has been suspended
or materially limited by the Commission or by the Nasdaq Global Select Market, (iv) 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 Commission, FINRA or any other governmental agency or body, (v) 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, (vi) there has occurred a downgrading in or withdrawal of the rating assigned to the Securities or any
other securities of the Company by any NRSRO, or such organization has publicly announced that it has under surveillance or review, or
has changed its outlook with respect to, its rating of the Securities or any other securities of the Company, or (vii) if a banking moratorium
has been declared by either federal, New York or State of Washington authorities.</P>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 36pt">(b) <I>Liabilities</I>.
If this Agreement is terminated pursuant to this SECTION 10, such termination shall be without liability of any party to any other party
except as provided in SECTION 4 hereof, and provided further that SECTION 1, SECTION 4, SECTION 7, SECTION 8, SECTION 9, SECTION 14, SECTION
15, SECTION 16 and SECTION 17 shall survive such termination and remain in full force and effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
11. </B></FONT><U>Default by One or More of the Underwriters</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">(a) If
one or more of the Underwriters shall fail at the Closing Time to purchase the Securities that it has agreed to purchase hereunder (the
&ldquo;<B>Defaulted Securities</B>&rdquo;), the Representative shall have the right, within 24 hours thereafter, to make arrangements
for one or more of the non-defaulting Underwriters, or any other underwriters that are satisfactory to the Company, 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 Representative shall not have completed such arrangements within such 24-hour period, then:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36.5pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(i) if,
after giving effect to any arrangement for the purchase of the Securities of a defaulting Underwriter or Underwriters by the Representative
and the Company as provided in paragraph (a) above, the aggregate principal amount of such Securities that remains unpurchased does not
exceed 10% of the aggregate principal amount of all of the Securities, then the Company shall have the right to require each non-defaulting
Underwriter to purchase the aggregate principal amount of Securities that such Underwriter agreed to purchase hereunder plus such Underwriter&rsquo;s
pro rata share (based on the aggregate principal amount of Securities that such Underwriter agreed to purchase hereunder) of the Securities
of such defaulting Underwriter or Underwriters for which such arrangement has not been made, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36.5pt">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(ii) if,
after giving effect to any arrangements for the purchase of the Securities of a defaulting Underwriter or Underwriters by the non-defaulting
Underwriter and the Company as provided in paragraph (a) above, the aggregate principal amount of such Securities that remains unpurchased
exceeds 10% of the aggregate principal amount of all of the Securities, or if the Company shall not exercise the right described in paragraph
(a) above, then this Agreement shall terminate without liability on the part of the non-defaulting Underwriters. Any termination of this
Agreement pursuant to this SECTION 11 shall be without liability on the part of the Company, except that the Company will continue to
be liable for the payment of expenses as set forth in SECTION 4 hereof and except that the provisions of SECTION 1, SECTION 4, SECTION
7, SECTION 8, SECTION 9, SECTION 14, SECTION 15, SECTION 16 and SECTION 17 shall not terminate and shall remain in effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt">(b) No
action taken pursuant to this SECTION 11 shall relieve any defaulting Underwriter from liability in respect of its default. In the event
of any such default which does not result in a termination of this Agreement, either (i) the Representative or (ii) the Company shall
have the right to postpone the Closing Time for a period not exceeding five (5) business days in order to effect any required changes
in the Registration Statement, the Disclosure Package or the Prospectus or in any other documents or arrangements. As used herein, the
term &ldquo;Underwriter&rdquo; includes any person substituted for an Underwriter under this SECTION 11.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
12. </B></FONT><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 KBW at One
Montgomery Street, Suite 3700, San Francisco, CA 94104], attention of Ashwin Kakani, Director, e-mail: kakania@kbw.com, with a copy (which
shall not constitute notice) to Covington &amp; Burling LLP, One CityCenter, The New York Times Building, 620 Eighth Avenue, 42nd Floor,
New York, New York 10018, attention of Christopher DeCresce, e-mail: CDeCresce@cov.com; and notices to the Company shall be directed to
it at 601 Union Street, Suite 2000, Seattle, WA 98101, attention of John Michel, Chief Financial Officer, e-mail: john.michel@homestreet.com,
with a copy (which shall not constitute notice) to Godfrey Evans, General Counsel, email: godfrey.evans@homestreet.com and Orrick, Herrington
&amp; Sutcliffe LLP, 405 Howard Street, San Francisco, CA 94105, attention of Karen Dempsey, e-mail: kdempsey@orrick.com.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
13. </B></FONT><U>No Advisory or Fiduciary Relationship</U>. The Company acknowledges and agrees that (a) the offering or purchase and
sale of the Securities pursuant to this Agreement, including the determination of the terms of the Securities and the offering price thereof
and any related discounts and commissions, is an arm&rsquo;s-length commercial transaction between the Company, on the one hand, and the
several Underwriters, on the other hand, (b) 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 their respective
shareholders, creditors, employees or any other party, (c) no Underwriter has assumed or will assume an advisory or fiduciary responsibility
in favor of the Company or its Subsidiaries 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 or its Subsidiaries in connection with the offering of the Securities except the obligations expressly set forth
in this Agreement, (d) 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 or its Subsidiaries, and (e) the Underwriters have not provided any legal, accounting, financial,
regulatory or tax advice in connection with the offering of the Securities and the Company and its Subsidiaries has consulted its own
respective legal, accounting, financial, regulatory and tax advisors to the extent it deemed appropriate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
14. </B></FONT><U>Parties</U>. This Agreement shall inure to the benefit of and be binding upon the Underwriters, the Company, 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 their respective successors and the controlling persons, Affiliates, partners,
managers, selling agents, officers and directors referred to in SECTION 7 and SECTION 8 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 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
15. </B></FONT><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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><B>&nbsp;</B></P>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
16. </B></FONT><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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
17. </B></FONT><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) the federal courts of the United States
of America located in the City and County of New York, Borough of Manhattan or (ii) the courts of the State of New York located in the
City and County of New York, Borough of Manhattan (collectively, the &ldquo;<B>Specified Courts</B>&rdquo;), and irrevocably submits to
the exclusive jurisdiction of, and to venue in (except for proceedings instituted in regard to the enforcement of a judgment of any Specified
Court, as to which such jurisdiction is non-exclusive) the Specified Courts in any such suit, action or proceeding. Service of any process,
summons, notice or document by mail to such party&rsquo;s address set forth herein 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
18. </B></FONT><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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
19. </B></FONT><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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
20. </B></FONT><U>Effect of Headings</U>. The Section headings herein are for convenience only and shall not affect the construction hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-size: 10pt"><B>SECTION
21. </B></FONT><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 signed 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: center">&nbsp;</P>

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Very truly yours,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HOMESTREET, INC.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By: </FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ John M. Michel</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name: </FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John M. Michel</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief Financial Officer</FONT></TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[Signature Pages to Underwriting Agreement]</P>

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

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

<!-- Field: Page; Sequence: 30 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">as of the date first above written:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">KEEFE, BRUYETTE &amp; WOODS, INC.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By: </FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; width: 35%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Victor A. Sack</FONT></TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name: </FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Victor A. Sack</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title: </FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Director</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">For themselves and as Representative of the other Underwriters
named in <U>Schedule I</U> hereto.</P>

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




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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[Signature
Pages to Underwriting Agreement]</FONT></P>

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

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

<!-- Field: Page; Sequence: 31 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left"><B>Name of Underwriter</B></TD><TD STYLE="padding-bottom: 1.5pt; text-align: center"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center"><B>Aggregate Principal Amount of Securities to be Purchased</B></TD><TD STYLE="padding-bottom: 1.5pt; text-align: center"><B>&nbsp;</B></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 88%; text-align: left">Keefe, Bruyette &amp; Woods, Inc.</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">60,000,000.00</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Piper Sandler &amp; Co.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">30,000,000.00</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">B. Riley Securities, Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,000,000.00</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Wedbush Securities Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,000,000.00</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold">Total</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">100,000,000.00</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  </TABLE>




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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: -18.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">&#9679;</TD><TD STYLE="text-align: justify">Pricing Term Sheet for Securities, dated January 11, 2022, filed
with the Commission as a Free Writing Prospectus on January 11, 2022.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: -18.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20pt"></TD><TD STYLE="width: 20pt; text-align: left">&#9679;</TD><TD STYLE="text-align: justify">Investor Presentation of the Company, dated January 11, 2022,
filed with the Commission as a Free Writing Prospectus on January 11, 2022.</TD>
</TR></TABLE>

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




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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt"><U>Subsidiaries of HomeStreet, Inc.</U></P>

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt"><U>Subsidiaries of HomeStreet Bank</U></P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">HS Evergreen Corporate Center LLC</P>

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




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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: center"><U>Form of Opinion of Orrick, Herrington &amp;
Sutcliffe LLP</U></P>

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

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

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

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

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>ea153890ex99-1_homestreet.htm
<DESCRIPTION>PRESS RELEASE, DATED JANUARY 11, 2022
<TEXT>
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<P STYLE="text-align: right; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Exhibit
99.1</B></FONT></P>

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

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><IMG SRC="ex99-1_001.jpg" ALT="">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>HomeStreet,
Inc. Prices $100 Million Subordinated Notes Offering</B></FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEATTLE
&ndash; January 11, 2022 &ndash; HomeStreet, Inc. (Nasdaq: HMST) (the &ldquo;Company&rdquo; or &ldquo;HomeStreet&rdquo;), the parent
company of HomeStreet Bank, today announced the pricing of its public offering of $100 million aggregate principal amount of its 3.50%
Fixed-to-Floating Rate Subordinated Notes due 2032 (the &ldquo;Notes&rdquo;). The price to the public for the Notes is 100% of the principal
amount of the Notes. The Notes will mature on January 30, 2032. Interest on the Notes initially will accrue at a rate equal to 3.50%
per annum from and including January 19, 2022, to, but excluding, January 30, 2027, payable semiannually in arrears. From and including
January 30, 2027, to, but excluding, January 30, 2032, or the earlier redemption date, interest will accrue at a floating rate per annum
equal to a benchmark rate, which is expected to be Three-Month Term Secured Overnight Financing Rate, or Term SOFR (as defined in the
Notes), plus a spread of 215 basis points, payable quarterly in arrears.</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Notes are intended to qualify as Tier 2 capital for regulatory purposes. The Company intends to use a significant portion of the net
proceeds from the Notes offering to repurchase shares of its common stock through open market purchases, with the remainder of the net
proceeds used for working capital and other general corporate purposes, including support for growth of its total assets. The offering
is expected to close on January 19, 2022, subject to the satisfaction of customary closing conditions.</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
January 30, 2027, or on any interest payment date thereafter, the Company may, at its option, redeem the Notes, in whole or in part,
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. The Company may also redeem the Notes at any time prior to their maturity, including prior to January 30, 2027,
in whole, but not in part, upon the occurrence of certain specified events.</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Keefe,
Bruyette &amp; Woods, <I>A Stifel Company</I>, is acting as lead book-running manager for the Notes offering, and Piper Sandler is acting
as active book-running manager. B. Riley Securities and Wedbush Securities are acting as co-managers.</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
offering of the Notes is being made by means of a prospectus supplement and an accompanying base prospectus. The Company has filed with
the U.S. Securities and Exchange Commission (the &ldquo;SEC&rdquo;) a registration statement on Form S-3 (File No. 333-261666) (including
a base prospectus) and a related preliminary prospectus supplement dated January 11, 2022, to the base prospectus contained in the registration
statement, and will file a final prospectus supplement relating to the offering of the Notes with the SEC.</FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Copies
of the preliminary prospectus supplement and accompanying base prospectus relating to the offering of the Notes may be obtained by visiting
EDGAR on the SEC website at www.sec.gov. Alternatively, the Company, the underwriters or any dealer participating in the offering will
arrange to send you the base prospectus and the related prospectus supplement if you request it by contacting Keefe, Bruyette &amp; Woods,
<I>A Stifel Company</I>, by telephone at (800) 966-1559 or by email at USCapitalMarkets@kbw.com.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>No
Offer or Sale</U></B></FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
press release shall not constitute an offer to sell or the solicitation of an offer to buy the Notes, 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. Any offering of the Notes is being made only by means of a written prospectus
meeting the requirements of Section 10 of the Securities Act of 1933, as amended. The Notes being offered have not been approved or disapproved
by any regulatory authority, nor has any such authority passed upon the accuracy or adequacy of the registration statement, the base
prospectus contained in the registration statement, the preliminary prospectus supplement, any free writing prospectus, or the final
prospectus supplement relating thereto.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>About
HomeStreet</U></B></FONT></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HomeStreet,
Inc. (Nasdaq: HMST) is a diversified financial services company headquartered in Seattle, Washington, serving consumers and businesses
in the Western United States and Hawaii. The Company is principally engaged in real estate lending, including mortgage banking activities,
and commercial and consumer banking. Its principal subsidiaries are HomeStreet Bank and HomeStreet Capital Corporation. HomeStreet Bank
is a member of the FDIC and an Equal Housing Lender.</FONT></P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section
27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements
are not statements of historical or current fact nor are they assurances of future performance and generally can be identified by the
use of forward-looking terminology, such as &ldquo;may,&rdquo; &ldquo;will,&rdquo; &ldquo;anticipate,&rdquo; &ldquo;intend,&rdquo; &ldquo;could,&rdquo;
&ldquo;should,&rdquo; &ldquo;would,&rdquo; &ldquo;believe,&rdquo; &ldquo;project,&rdquo; &ldquo;plan,&rdquo; &ldquo;goal,&rdquo; &ldquo;target,&rdquo;
&ldquo;potential,&rdquo; &ldquo;pro-forma,&rdquo; &ldquo;seek,&rdquo; &ldquo;contemplate,&rdquo; &ldquo;expect,&rdquo; &ldquo;estimate,&rdquo;
&ldquo;continue,&rdquo; &ldquo;project,&rdquo; &ldquo;anticipated,&rdquo; &ldquo;modeled&rdquo; or &ldquo;forecasted&rdquo; or the negative
thereof as well as other similar words and expressions of the future. These forward-looking statements include, without limitation, those
relating to the anticipated closing date of the offering and the Company&rsquo;s intended use of the net proceeds from the offering.
Forward-looking statements are subject to risks, uncertainties and assumptions that are difficult to predict as to timing, extent, likelihood
and degree of occurrence, which could cause the Company&rsquo;s actual results to differ materially from those anticipated in or by such
statements. Potential risks and uncertainties include, but are not limited to, the Company&rsquo;s ability to complete the offering and
to deploy the net proceeds of the offering as the Company currently expects. The Company cautions readers that the foregoing list of
factors is not exclusive, is not necessarily in order of importance and readers should not place undue reliance on any forward-looking
statements. Further, any forward-looking statement speaks only as of the date on which it is made, and the Company does not intend to
and, except as required by applicable law, disclaims any obligation to update or revise any forward-looking statement to reflect events
or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, unless required
to do so under applicable securities laws.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Contacts</U>:</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Executive
Vice President and Chief Financial Officer:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HomeStreet,
Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John
Michel (206) 515-2291</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">john.michel@homestreet.com&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">or</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Media
Relations:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Misty
Ford, 206-876-5506</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">misty.ford@homestreet.com</FONT></P>

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

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

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<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2021" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns:srt="http://fasb.org/srt/2021-01-31" xmlns:srt-types="http://fasb.org/srt-types/2021-01-31" xmlns:HMST="http://ir.homestreet.com/20220111" elementFormDefault="qualified" targetNamespace="http://ir.homestreet.com/20220111">
    <annotation>
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	<link:roleType roleURI="http://ir.homestreet.com/role/Cover" id="Cover">
	  <link:definition>00000001 - Document - Cover</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
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	<link:linkbaseRef xlink:type="simple" xlink:href="hmst-20220111_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="hmst-20220111_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2021" schemaLocation="https://xbrl.sec.gov/dei/2021/dei-2021.xsd" />
    <import namespace="http://fasb.org/us-gaap/2021-01-31" schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd" />
    <import namespace="http://fasb.org/us-types/2021-01-31" schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2021" schemaLocation="https://xbrl.sec.gov/country/2021/country-2021.xsd" />
    <import namespace="http://fasb.org/srt/2021-01-31" schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd" />
    <import namespace="http://fasb.org/srt-types/2021-01-31" schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>hmst-20220111_lab.xml
<DESCRIPTION>XBRL LABEL FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.10c -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" />
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    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" />
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentRegistrationStatement" xlink:to="dei_DocumentRegistrationStatement_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl" xlink:type="arc" />
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>hmst-20220111_pre.xml
<DESCRIPTION>XBRL PRESENTATION FILE
<TEXT>
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<TYPE>XML
<SEQUENCE>8
<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';
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</head>
<body>
<span style="display: none;">v3.21.4</span><table class="report" border="0" cellspacing="2" id="idm139986092221976">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jan. 11, 2022</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</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_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_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jan. 11,  2022<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_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-35424<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">HOMESTREET, INC.<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">0001518715<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_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">91-0186600<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">WA<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">601 Union Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Ste. 2000<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_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Seattle<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_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">WA<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_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">98101<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_CityAreaCode', window );">City Area Code</a></td>
<td class="text">206<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_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">623-3050<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_WrittenCommunications', window );">Written Communications</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_SolicitingMaterial', window );">Soliciting Material</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_PreCommencementTenderOffer', window );">Pre-commencement 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_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer 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_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, No Par Value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">HMST<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="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>
</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_CoverAbstract">
<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>Cover page.</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_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="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_EntityAddressAddressLine2">
<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 2 such as Street or Suite number</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_EntityAddressAddressLine2</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>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
