<SEC-DOCUMENT>0001193125-15-344591.txt : 20151015
<SEC-HEADER>0001193125-15-344591.hdr.sgml : 20151015
<ACCEPTANCE-DATETIME>20151015143752
ACCESSION NUMBER:		0001193125-15-344591
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20151014
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20151015
DATE AS OF CHANGE:		20151015

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CVB FINANCIAL CORP
		CENTRAL INDEX KEY:			0000354647
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				953629339
		STATE OF INCORPORATION:			CA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-10140
		FILM NUMBER:		151159994

	BUSINESS ADDRESS:	
		STREET 1:		701 N HAVEN AVE STE 300
		CITY:			ONTARIO
		STATE:			CA
		ZIP:			91764
		BUSINESS PHONE:		9099804030

	MAIL ADDRESS:	
		STREET 1:		701 N HAVEN AVENUE
		CITY:			ONTARIO
		STATE:			CA
		ZIP:			91764
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d60564d8k.htm
<DESCRIPTION>8-K
<TEXT>
<HTML><HEAD>
<TITLE>8-K</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P>
<P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>FORM 8-K </B></P> <P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Current
Report </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Pursuant to Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934 </B></P>
<P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">Date of Report (Date of earliest event reported):&nbsp;&nbsp;&nbsp;<B>October&nbsp;14, 2015</B> </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>CVB FINANCIAL CORP. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">(Exact name of registrant as specified in its charter) </P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman"><B>California</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>0-10140</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>95-3629339</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10.5pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman">(State or other jurisdiction of</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10.5pt; font-family:Times New Roman">incorporation or organization)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">(Commission file number)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">(I.R.S. employer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">identification number)</P></TD></TR>
</TABLE> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10.5pt" ALIGN="center">


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<TD VALIGN="top" ALIGN="right"><B>701 North Haven Avenue, Ontario, California</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><B>91764&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10.5pt">
<TD VALIGN="top" ALIGN="right">(Address of principal executive offices)&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">(Zip Code)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center"><B>Registrant&#146;s telephone number, including area code: (909)&nbsp;980-4030 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center"><B>Not Applicable </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">(Former
name or former address, if changed since last report.) </P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman">Check the appropriate box
below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (<U>see</U> General Instruction A.2. below): </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman">[X] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman">[&nbsp;] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman">[&nbsp;] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman">[&nbsp;] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>Item&nbsp;8.01 Other Events. </B></P>
<P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="justify">On October&nbsp;14, 2015, CVB Financial Corp. (the &#147;Company&#148;) announced that it had entered into a definitive agreement to acquire
County Commerce Bank. A copy of the Company&#146;s press release announcing the acquisition is attached as Exhibit&nbsp;99.1. The press release&#146;s description of the definitive agreement is qualified by the Agreement and Plan of Reorganization
and Merger by and among the Company, the Company&#146;s wholly-owned subsidiary, Citizens Business Bank, and County Commerce Bank dated as of October&nbsp;14, 2015, a copy of which is attached as Exhibit 99.2. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>Item&nbsp;9.01 Financial Statements and Exhibits. </B></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman">(d)
Exhibits </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:36.05pt; font-size:11pt; font-family:Times New Roman">Exhibit<BR>Number</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


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<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top">99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Press Release dated October 14, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top">99.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Agreement and Plan of Reorganization and Merger by and among CVB Financial Corp., Citizens Business Bank and County Commerce Bank dated October 14, 2015</TD></TR>
</TABLE>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed
on its behalf by the undersigned hereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:26pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><B>CVB&nbsp;FINANCIAL&nbsp;CORP.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="top" COLSPAN="3">(Registrant)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TR STYLE="font-size:1pt">
<TD HEIGHT="35"></TD>
<TD HEIGHT="35" COLSPAN="2"></TD>
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<TD HEIGHT="35" COLSPAN="2"></TD></TR>
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<TD VALIGN="top">Date: October 15, 2015</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><U>/s/&nbsp;&nbsp;Richard&nbsp;C.&nbsp;Thomas&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Richard C. Thomas</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="5"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Executive&nbsp;Vice&nbsp;President&nbsp;and&nbsp;Chief</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:12pt; font-family:Times New Roman">Financial Officer</P></TD></TR>
</TABLE>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit Index </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top">99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Press Release dated October&nbsp;14, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top">99.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Agreement and Plan of Reorganization and Merger by and among CVB Financial Corp.,</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Citizens Business Bank and County Commerce Bank dated October 14, 2015</TD></TR>
</TABLE>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d60564dex991.htm
<DESCRIPTION>EX-99.1
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<TITLE>EX-99.1</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g60564ex99_1logo.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT COLOR="#828282"><B>CVB Financial Corp. </B></FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT COLOR="#828282">701 N Haven Avenue, Suite 350 </FONT></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT
 COLOR="#828282">Ontario, CA 91764 </FONT></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT COLOR="#828282">909.980.4030 </FONT></P>
<P STYLE="font-size:36pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Press Release </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>For Immediate Release </B></P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"><B>CVB Financial Corp.</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><B>County Commerce Bank</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"><B>Christopher D. Myers</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><B>Joe D. Kreutz</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"><B>President and Chief Executive Officer</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><B>President and Chief Executive Officer</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"><B>(909) 980-4030</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><B>(805) 477-7601</B></TD></TR>
</TABLE> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>CVB Financial Corp. and County Commerce Bank Announce
Merger </B></P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#9679;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Transaction currently values County Commerce Bank (&#147;CCB&#148;) at $41.25 million in a 50% cash and 50% stock transaction. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#9679;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The transaction strengthens Citizens Business Bank&#146;s (&#147;Citizens&#148;) commercial banking presence in Ventura County. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#9679;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">CCB benefits from a high quality merger partner with a shared culture of community and relationship banking values. CCB customers will benefit from access to a broader array of financial products and services as well as
enhanced credit capabilities. </TD></TR></TABLE> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Ontario, CA and Oxnard, CA, October&nbsp;14, 2015</B> - CVB Financial Corp. (NASDAQ: CVBF) and County
Commerce Bank (OTC PINK: CNYB) announced today that they have entered into a merger agreement, pursuant to which CCB will merge into Citizens, the principal subsidiary of CVB Financial Corp. (&#147;CVBF&#148;). </P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">In exchange for all of CCB&#146;s common stock and options, CVBF will pay aggregate consideration currently valued at $41.25 million consisting of $20.625
million in cash and $20.625 million in CVBF stock, the value of which is subject to change in certain circumstances as provided in the merger agreement and more fully described below. Based on CCB&#146;s current outstanding common shares and
options, the aggregate value of $41.25 million equates to $16.79 per CCB share. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">The exact number of CVBF shares issued in the transaction will be determined prior to closing, which is expected
in the first quarter of 2016. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Giving effect to the transaction and assuming CVBF&#146;s closing stock price of $16.53 per share as of October&nbsp;14,
2015, CCB shareholders would hold, in aggregate, approximately 1.16% of CVBF&#146;s outstanding common stock following the merger. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">&#147;Citizens
Business Bank is the perfect fit for County Commerce Bank, and most importantly, our customers and employees. We are excited to be partnering with them,&#148; said Joe Kreutz, Chairman and Chief Executive Officer of CCB. &#147;Citizens Business Bank
will expand upon our reach, our abilities and our suite of products while continuing our commitment to providing excellent service to our business and consumer customers. Our shareholders will benefit from the opportunity to own CVBF&#146;s
NASDAQ-listed stock with over 100 quarters of consecutive cash dividend payments. Based on our similar cultures, we are looking forward to a smooth transition.&#148; </P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">CCB&#146;s banking locations in Ventura, Oxnard, Camarillo, and Westlake Village are a natural extension of Citizens&#146; existing Southern California
presence. Based on June&nbsp;30, 2015 financial information, CCB has approximately $252 million in total assets and about $216 million in total deposits. </P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Christopher D. Myers, President and Chief Executive Officer of CVBF and Citizens Business Bank, remarked, &#147;County Commerce Bank is a strong community
bank and an excellent strategic and geographic fit for Citizens. We look forward to welcoming their associates, customers, and shareholders. Joe Kreutz and his banking team have built a first-class organization that will help Citizens expand our
presence in the greater Ventura County area. This merger is about expansion and growth. As such, we have no plans to close any CCB locations.&#148; </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Upon
completion of the merger, CCB will operate as Citizens Business Bank and will continue to deliver the high-touch level of service that its customers expect, with an expanded branch and ATM network and a broad range of products and services,
including expertise in personal, small business, private and corporate banking, and treasury management services. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">The board of directors of County
Commerce Bank and the boards of directors of CVBF and Citizens Business Bank, respectively, have unanimously approved this transaction. Closing of the transaction is subject to customary regulatory approvals and the approval of CCB
</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
shareholders. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Based on CVBF&#146;s current stock price, excluding one-time costs and including
estimated cost savings, CVBF expects the transaction to be immediately accretive to earnings per share. CVBF anticipates the transaction will be approximately 1.0% dilutive to tangible book value per share at closing (including transaction costs)
which will be earned back in less than four years on a pro forma basis. </P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Transaction Structure </B></P>
<P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">As described in greater detail in the merger agreement, the exact number of CVBF shares issued in the transaction will be determined prior to closing based on
the weighted average closing price of CVBF stock, as calculated for the 20 trading days commencing on the 25<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> trading day prior to the closing date (&#147;CVBF Average Price&#148;). Accordingly,
the aggregate value of the transaction may be more or less than $41.25 million depending on the CVBF Average Price. In addition, and subject to certain conditions and restrictions described in the merger agreement, each party has the right to
terminate the merger agreement if the CVBF Average Price is above or below certain thresholds. Options to purchase CCB common stock, which are outstanding at closing, will receive cash consideration. </P>
<P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Advisors </B></P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Keefe, Bruyette&nbsp;&amp; Woods, Inc. served
as financial advisor to CCB and Horgan, Rosen, Beckham&nbsp;&amp; Coren LLP served as legal counsel to CCB. Sandler O&#146;Neill + Partners, L.P. served as financial advisor to CVBF, and Manatt, Phelps&nbsp;&amp; Phillips, LLP served as legal
counsel to CVBF. </P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>About CVB Financial Corp. </B></P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">CVB
Financial Corp. is the holding company for Citizens Business Bank. The Bank is the largest financial institution headquartered in the Inland Empire region of Southern California with assets of approximately $7.7 billion. Citizens Business Bank
serves 43 cities with 40 Business Financial Centers, seven Commercial Banking Centers, and three trust office locations serving the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, and the Central Valley areas of
California. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Shares of CVB Financial Corp. common stock are listed on the NASDAQ under the ticker symbol &#147;CVBF.&#148; For investor information on CVB
Financial Corp., visit our Citizens Business </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
Bank website at <U><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff">www.cbbank.com</FONT></U><FONT STYLE="font-family:Times New Roman"> and click on the &#147;Investors&#148; tab.
</FONT></P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>About County Commerce Bank </B></P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">County Commerce
Bank was founded by local professionals and business leaders in Ventura County in January 2003. The Bank currently maintains branches in Ventura, Oxnard, Camarillo, and Westlake Village. The bank is a member of the FDIC, an SBA Preferred Lender, and
a CDARS depository institution. County Commerce Bank provides financial solutions for local professionals and small businesses, offering its customers state of the art technology services along with a traditional, personalized banking experience.
</P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">County Commerce Bank stock is traded on the OTC Markets Group (OTCQB) under the ticker symbol &#147;CNYB.&#148; </P>
<P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Safe Harbor </B></P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Certain matters set forth herein constitute
forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including forward-looking statements relating to CVBF&#146;s current expectations regarding the proposed transaction, its business plans and
expectations and its future financial position and operating results. These forward-looking statements are subject to risks and uncertainties that could cause actual results, performance and/or achievements to differ materially from those projected.
These risks and uncertainties include, but are not limited to, CVBF&#146;s ability to realize cost savings within expected time frames or at all; whether governmental approvals for the proposed transaction will be obtained within expected time
frames or ever; whether the conditions to the closing of the proposed transaction, including approval by CCB shareholders, are satisfied; local, regional, national and international economic and market conditions and events and the impact they may
have on CVBF, CVBF&#146;s customers, assets, and liabilities; CVBF&#146;s ability to attract deposits and other sources of funding or liquidity; supply and demand for real estate and periodic deterioration in real estate prices and/or values in
California or other states where CVBF lends, including both residential and commercial real estate; a prolonged slowdown or decline in real estate construction or sales activity; changes in the financial performance and/or condition of CVBF&#146;s
borrowers or key vendors or counterparties; changes in the levels of nonperforming assets, allowance for loan losses and charge-offs; the costs or effects of acquisitions or dispositions CVBF may make; the effect of changes in laws, regulations and
applicable judicial decisions (including laws, regulations and judicial decisions concerning financial reforms, taxes, banking capital levels, securities and securities trading and hedging, employment, executive
</P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
compensation, insurance, vendor management and information security) with which CVBF and its subsidiaries must comply or CVBF believes should comply; changes in estimates of future reserve
requirements and minimum capital requirements based upon the periodic review thereof under relevant regulatory and accounting requirements, including the Basel Committee framework establishing capital standards for credit, operations and market
risk; inflation, interest rate, securities market and monetary fluctuations; changes in government interest rates or monetary policies; changes in the amount and availability of deposit insurance; cyber-security threats, including loss of system
functionality or theft or loss of company or customer data or money; political instability; acts of war or terrorism, drought or natural disasters, such as earthquakes, or the effects of pandemic diseases; the timely development and acceptance of
new banking products and services and the perceived overall value of these products and services by customers and potential customers; CVBF&#146;s relationships with and reliance upon vendors with respect to the operation of certain key internal and
external systems and applications; changes in consumer spending, borrowing and savings preferences or habits; technological changes and the expanding use of technology in banking (including the adoption of mobile banking applications); the ability
to retain and increase market share, retain and grow customers and control expenses; changes in the competitive environment among financial and bank holding companies, banks and other financial service providers; continued volatility in the credit
and equity markets and its effect on the general economy or local or regional business conditions; fluctuations in the price of the CVBF&#146;s common stock or other securities; the effect of changes in accounting policies and practices, as may be
adopted from time-to-time by the regulatory agencies, as well as by the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard-setters; changes in CVBF or CCB&#146;s organization,
management, compensation and benefit plans, and the ability of CVBF and CCB to retain or expand their respective management teams and/or boards of directors; the costs and effects of legal, compliance and regulatory actions, changes and
developments, including the initiation and resolution of legal proceedings (such as consumer or employee class action litigation), regulatory or other governmental inquiries or investigations, and/or the results of regulatory examinations or
reviews; ongoing relations with various federal and state regulators, including the SEC, FDIC and California DBO; CVBF&#146;s success at managing the risks involved in the foregoing items and all other factors set forth in CVBF&#146;s public reports
including its Annual Report on Form 10-K for the year ended December&nbsp;31, 2014, and particularly the discussion of risk factors within that document. CVFB does not undertake, and specifically disclaims any obligation, to update any
forward-looking statements to reflect occurrences or unanticipated events or circumstances after the date of such statements except as required by law. Statement about future operating results, such as those concerning accretion and dilution to
CVBF&#146;s earnings or shareholders are for illustrative purposes only, are not forecasts and actual results may differ. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Additional Information About the Proposed Transaction and Where to Find It </B></P>
<P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">In connection with the proposed acquisition transaction, CVBF will file with the SEC a Registration Statement on Form S-4 that will include a Proxy Statement
of CCB and a Prospectus of CVBF, as well as other relevant documents concerning the proposed transaction. The final proxy statement/prospectus will be distributed to the shareholders of CCB in connection with their vote on the proposed transaction.
</P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">SHAREHOLDERS OF CCB ARE URGED TO READ THE REGISTRATION STATEMENT AND THE PROXY STATEMENT/PROSPECTUS REGARDING THE PROPOSED TRANSACTION WHEN IT BECOMES
AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION. </P>
<P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">The Proxy Statement/Prospectus and other relevant materials (when they become available), and any other documents CVBF filed with the SEC may be obtained free
of charge at the SEC&#146;s website, http://www.sec.gov, at the investor relations portion of CVBF&#146;s website, https://www.cbbank.com, by contacting Myrna DiSanto, Investor Relations, CVB Financial Corp, 701 N Haven Avenue, Ontario, CA 91764 or
by telephone at (909)&nbsp;980-4030 or by contacting Joe Kreutz, County Commerce Bank, 3260 Telegraph Road, Ventura, CA 93003, (805)&nbsp;477-7600. </P> <P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">CVBF
and CCB and certain of their directors and executive officers may be deemed to be participants in the solicitation of proxies from the shareholders of CCB in connection with the merger. Information about the directors and executive officers of CVBF
and their ownership of CVBF common stock is set forth in CVBF&#146;s proxy statement filed with the SEC on April&nbsp;3, 2015. Information about the directors and executive officers of CCB will be set forth in the Proxy Statement/Prospectus
regarding the proposed transaction. This communication does not constitute an offer of any securities for sale. </P>
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<TYPE>EX-99.2
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<FILENAME>d60564dex992.htm
<DESCRIPTION>EX-99.2
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right"><B><U>Execution Copy </U></B></P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:36pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT AND PLAN OF REORGANIZATION AND MERGER </B></P>
<P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>by and among </B></P> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>CVB
FINANCIAL CORP., </B></P> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>CITIZENS BUSINESS BANK </B></P>
<P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>and </B></P> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>COUNTY COMMERCE
BANK </B></P> <P STYLE="font-size:30pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>October&nbsp;14, 2015 </B></P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Page</B></P> <P STYLE="font-size:20pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE I</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MERGER</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">1.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">The Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">1.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Effective Time</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">1.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Effects of the Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">1.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Conversion of Stock</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">1.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Company Stock Options</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">1.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Company Board Actions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">1.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Articles of Incorporation and Bylaws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">1.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Parent Board of Directors and Officers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE II</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EXCHANGE OF SHARES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">2.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Delivery of Merger Consideration</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">2.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Exchange Procedures</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE&nbsp;III</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;REPRESENTATIONS AND WARRANTIES OF THE COMPANY</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Corporate Organization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Capitalization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Authority; No Violation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Consents and Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Reports</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Financial Statements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Broker&#146;s Fees</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Absence of Changes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Compliance with Applicable Law</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">State Takeover Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Employee Benefit Plans</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Opinion</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Company Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Legal Proceedings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Material Contracts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.17</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Environmental Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.18</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Taxes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">-i- </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Page</B></P> <P STYLE="font-size:20pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.19</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Reorganization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.20</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Intellectual Property</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.21</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Properties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.22</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.23</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Accounting and Internal Controls</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.24</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Derivatives</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.25</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Loan Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.26</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Community Reinvestment Act Compliance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.27</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Bank Secrecy Act Compliance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.28</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Investment Securities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.29</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Related Party Transactions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.30</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Operating Losses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.31</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Employment and Labor Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.32</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Trust Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.33</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Information Technology; Security &amp; Privacy</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">3.34</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Accuracy and Completeness of Information Furnished</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE&nbsp;IV</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;REPRESENTATIONS AND WARRANTIES OF PARENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Corporate Organization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Capitalization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Authority; No Violation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Consents and Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Reports</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Financial Statements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Broker&#146;s Fees</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Absence of Changes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Compliance with Applicable Law</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Parent Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Legal Proceedings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Accounting and Internal Controls</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">-ii- </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Page</B></P> <P STYLE="font-size:20pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Reorganization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">4.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Accuracy and Completeness of Information Furnished</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE V</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;COVENANTS RELATING TO CONDUCT OF BUSINESS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">5.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Conduct of Businesses Prior to the Effective Time</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">5.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Company Forbearances</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">5.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Conduct of Parent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE VI</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ADDITIONAL AGREEMENTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Regulatory Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Reasonable Best Efforts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Access to Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Shareholder Approval</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Nasdaq Listing</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Employee Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Indemnification; Directors&#146; and Officers&#146; Insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Exemption from Liability Under Rule 16(b)-3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">No Solicitation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Takeover Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Schedule Updates</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Notification of Certain Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Third Party Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Pre-Closing Adjustments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">6.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Shareholder Litigation and Protests</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE&nbsp;VII</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONDITIONS PRECEDENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">7.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Conditions to Each Party&#146;s Obligation to Effect the Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">7.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Conditions to Obligations of Parent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">7.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Conditions to Obligations of the Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE&nbsp;VIII</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TERMINATION AND AMENDMENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">67</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">8.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Termination</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">67</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">8.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Effect of Termination</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">68</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">8.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Fees and Expenses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">-iii- </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Page</B></P> <P STYLE="font-size:20pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">8.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Amendment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">8.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Extension; Waiver</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">ARTICLE&nbsp;IX</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GENERAL PROVISIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Closing</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Non-survival of Representations, Warranties and Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Notices</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Interpretation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Counterparts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Entire Agreement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Governing Law; Jurisdiction</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Waiver of Jury Trial</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">73</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Publicity</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">73</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Assignment; Third-Party Beneficiaries</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">73</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Specific Performance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="2"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="text-indent:3.00em; font-size:12pt; font-family:Times New Roman">9.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Disclosure Schedule</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Exhibit A &#150; Form of Voting and Support Agreement
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Exhibit B &#150; Form of Agreement of Merger </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Exhibit C-1
&#150; Form of Non-Competition and Non-Solicitation Agreement </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Exhibit C-2 &#150; Form of Non-Competition and Non-Solicitation Agreement </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">-iv- </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>INDEX OF DEFINED TERMS </B></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><B>Section</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Acquisition Proposal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.9(d)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Adverse Change of Recommendation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8.1(c)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Adverse Shareholder Action</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.15&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Advisors</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2(k)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Affiliate(d)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.6(d)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Aggregate Cash Amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(d)(i)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Preamble&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Approvals</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.1(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Agreement of Merger</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Average Demand Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2(l)(i)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">BHC Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.1(c)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Book-Entry Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(e)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Business Day</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">California Secretary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Cause</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.6(g)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Certificate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(e)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">CFC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.1(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Change of Control Payments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.16(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">CGCL</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.1(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Closing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Closing Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Code</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Recitals&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Citizens Business Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Preamble&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Preamble&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Commissioner</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Acquisition Proposal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.9(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Articles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.1(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Audited Financial Statements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.6(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Board Recommendation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Bylaws</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.1(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Capitalization Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.2(a)(i)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Common Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.2(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Closing Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(d)(ii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Diluted Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.5(b)(i)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Disclosure Schedule</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.12(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Filings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.5(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Financial Statements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.6(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Interim Financial Statements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.6(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company IT Systems</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.33&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Leased Properties</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.21(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Licensed Intellectual Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.20(e)(iii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Owned Intellectual Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.20(e)(iv)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Owned Properties</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.21&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Real Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.21(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Restricted Stock Award</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.2(a)(ii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">-v- </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>INDEX OF DEFINED TERMS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><B>Section</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Shareholder Approval</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.3(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Shareholder Meeting</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Stock Option</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.5(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Stock Plans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.5(b)(ii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Superior Proposal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.9(d)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Company Termination Fee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8.3(b)(ii)(2)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Confidentiality Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.3(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Controlled Group Liability</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.11(g)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Covered Employee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.6(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">CRA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.26&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">D&amp;O Insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.7(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Derivative Transaction</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.24&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Dissenting Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Effective Time</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Employee Benefit Plan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.11(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">End Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8.1(b)(ii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Enforceability Exceptions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.3(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Environmental Laws</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.17&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">ERISA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.11(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">ERISA Affiliate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.11(f)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Exchange Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.14&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Exchange Agent</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Exchange Agent Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Exchange Fund</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Exchanged Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2.2(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">FDIC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.1(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Federal Reserve</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.25(f)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Form S-4</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">GAAP</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.2(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Governmental Entity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Indemnified Parties</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.7(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Intellectual Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.20(e)(i)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Investment Security</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.28&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">IRS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.18&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">IT Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.20(e)(ii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Knowledge of the Company</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Knowledge of Parent</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Law</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.3(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Lease</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.21(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Letter of Transmittal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2.2(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Liens</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.3(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.25(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Material Adverse Effect</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.8&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Material Contract</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.16(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">-vi- </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>INDEX OF DEFINED TERMS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


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<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><B>Section</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Materially Burdensome Regulatory Condition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.1(d)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Measurement Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2(l)(ii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Merger Consideration</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Merger(s)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Recitals&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Multiemployer Plan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.11(f)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Multiple Employer Plan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.11(f)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Nasdaq</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Notice of Superior Proposal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.9(c)(ii)(A)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Option Consideration</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.5(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Option Termination Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.5(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Preamble&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent Articles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.1(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent Average Closing Price</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(d)(iii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent Bylaws</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.1(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent Capitalization Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.2(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent Common Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.2(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent Preferred Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.2(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent SEC Reports</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.5(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Parent Stock Plans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4.2(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Per Share Cash Amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(d)(iv)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Per Share Exchange Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.4(d)(v)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Per Share Merger Consideration Value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.5(b)(iii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Permitted Encumbrances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.21(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Person</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Previously Disclosed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9.12(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Support Agreement(s)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Recitals&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Proxy Statement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Regulatory Agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.5(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Regulatory Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.9(c)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Requisite Regulatory Approvals</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2(d)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Retention Incentives</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.6(e)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Sarbanes-Oxley Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.9(a)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">SEC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Securities Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.2(a)(iii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Settlement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6.15&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.1(c)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Surviving Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Recitals&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Support Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Recitals&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Takeover Laws</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.10&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Tax</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.18&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Tax Return</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.18&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.18&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Total Demand Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2.(l)(iv)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Total Net Equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7.2(l)(iii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">-vii- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>INDEX OF DEFINED TERMS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="90%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><B>Section</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Total Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.2(l)(iv)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Trade Secrets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.20(e)(i)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Transaction Costs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.2(l)(vi)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Treasury Department</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.4(c)(i)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Treasury Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.4(b)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Voting Debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3.2(a)(iii)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:12pt; font-family:Times New Roman">Withdrawal Liability</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.11(f)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">-viii- </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT AND PLAN OF REORGANIZATION AND MERGER </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman"><B>THIS AGREEMENT AND PLAN OF REORGANIZATION AND MERGER</B>, dated as of October&nbsp;14, 2015 (this &#147;<U>Agreement</U>&#148;), is by and
among CVB Financial Corp., a California corporation (&#147;<U>Parent</U>&#148;), Citizens Business Bank, a California state-chartered bank and wholly-owned subsidiary of Parent (&#147;<U>Citizens Business Bank</U>&#148;), and County Commerce Bank, a
California state-chartered bank (the &#147;<U>Company</U>&#148;). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>RECITALS </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The respective Boards of Directors of Parent, Citizens Business Bank and the Company have
determined that it is in the best interests of their respective companies and shareholders to consummate the strategic business combination transaction provided for in this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On the terms and subject to the conditions set forth in this Agreement, the Company will
merge with and into Citizens Business Bank (the &#147;<U>Merger</U>&#148;), with Citizens Business Bank as the surviving corporation in the Merger (sometimes hereinafter referred to as the &#147;<U>Surviving Corporation</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The parties intend that the Merger shall qualify as a &#147;reorganization&#148; within the
meaning of Section&nbsp;368(a) of the Internal Revenue Code of 1986, as amended (the &#147;<U>Code</U>&#148;), and that this Agreement shall constitute a &#147;plan of reorganization&#148; for purposes of Sections 354 and 361 of the Code. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As an inducement for Parent and Citizens Business Bank to enter into this Agreement, each
member of the Company Board of Directors and certain of its executive officers have simultaneously herewith entered into Voting and Support Agreements (the &#147;<U>Support Agreements</U>&#148;), each dated as of the date hereof and substantially in
the form attached hereto as <U>Exhibit A</U>, with Parent. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">E.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The parties desire to make
certain representations, warranties and agreements in connection with the Merger and also to prescribe certain conditions to the Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, and
intending to be legally bound hereby, the parties agree as follows: </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>MERGER </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>The Merger</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the terms and conditions of this Agreement, in accordance with the California
General Corporation Law (the &#147;<U>CGCL</U>&#148;) and the California Financial Code (the &#147;<U>CFC</U>&#148;), at the Effective Time, the Company shall merge with and into Citizens Business Bank. Citizens Business Bank shall be the Surviving
Corporation in the Merger and shall continue its existence under the Laws of the State of California. As of the Effective Time, the separate corporate existence of the Company shall cease. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the provisos in Sections 1.4(a), 1.4(d)(v), 8.4 and 8.5, Parent may at any time
change the method of effecting the combination; <U>provided</U>, <U>however</U>, that no such change shall (i)&nbsp;materially alter or change the amount or kind of the Merger Consideration (as defined below) provided for in this Agreement,
(ii)&nbsp;adversely affect the tax consequences of the Merger to shareholders of the Company, or (iii)&nbsp;impede or delay in any material respect the receipt of the Requisite Regulatory Approvals or consummation of the transactions contemplated by
this Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effective Time</U>. Subject to the terms and conditions of this
Agreement, on or before the Closing Date, the parties will execute and cause an agreement of merger in substantially the form attached hereto as of <U>Exhibit B</U> (the &#147;<U>Agreement of Merger</U>&#148;) to be filed with the Secretary of State
of the State of California (the &#147;<U>California Secretary</U>&#148;) as provided in Section&nbsp;1103 of the CGCL and the Commissioner of the Department of Business Oversight of the State of California (the &#147;<U>Commissioner</U>&#148;). The
Merger shall become effective on the date and at the time (the &#147;<U>Effective Time</U>&#148;) that the Agreement of Merger has been filed with the Commissioner as provided in Section&nbsp;4887(b) of the CFC. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">1.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effects of the Merger</U>. At and after the Effective Time, the Merger shall have the effects
set forth in the applicable provisions of the CGCL and the CFC. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">1.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion of Stock</U>.
At the Effective Time, by virtue of the Merger and without any further action on the part of the Company or Parent or the shareholders of either of the foregoing: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Common Stock</U>. Each share of the Company Common Stock (other than shares
that are owned by shareholders who have perfected and not withdrawn a demand for dissenters&#146; rights pursuant to Chapter 13 of the CGCL (each, a &#147;<U>Dissenting Share</U>&#148; and collectively &#147;<U>Dissenting Shares</U>&#148;)) issued
and outstanding immediately prior to the Effective Time shall be converted into the right to receive (i)&nbsp;cash in an amount equal to the Per Share Cash Amount, without interest thereon, and (ii)&nbsp;the number of shares of Parent Common Stock
equal to the Per Share Exchange Ratio (such cash and such shares collectively, the &#147;<U>Merger Consideration</U>&#148;). At the Effective Time, all shares of the Company Common Stock shall no longer be outstanding and shall automatically be
cancelled and shall cease to exist. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">2 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cancellation of Excluded Shares</U>. Any
shares of the Company Common Stock owned by the Company as treasury stock or owned, directly or indirectly, the Company, Parent or any of Parent&#146;s Subsidiaries (other than those held in a fiduciary capacity or as a result of debts previously
contracted) (&#147;<U>Treasury Shares</U>&#148;), and, subject to Section&nbsp;1.4(g), any Dissenting Shares, shall automatically be cancelled and retired and shall cease to exist at the Effective Time of the Merger and no consideration shall be
issued in exchange therefor. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Outstanding Parent and Citizens Business Bank
Stock</U>. Each share of Parent Common Stock issued and outstanding immediately prior to the Effective Time shall remain an issued and outstanding share of Parent Common Stock and shall not be affected by the Merger. Each share of Citizens Business
Bank capital stock issued and outstanding immediately prior to the Effective Time shall remain issued and outstanding and shall not be affected by the Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Agreement: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(i) &#147;<U>Aggregate Cash Amount</U>&#148; means $20,625,000 minus the Option Consideration. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(ii) &#147;<U>Company Closing Shares</U>&#148; means the aggregate number of shares of the Company Common Stock issued and outstanding
immediately prior to the Effective Time. Notwithstanding the foregoing, except in connection with a stock split, stock dividend or other Recapitalization transaction approved by Parent, the Company Closing Shares will not exceed the number of shares
outstanding on the Company Capitalization Date, plus any shares of Company Common Stock issued or issuable pursuant to duly exercised Company Stock Options outstanding on the date of this Agreement that are disclosed in Section&nbsp;3.2(a)(ii). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(iii) &#147;<U>Parent Average Closing Price</U>&#148; means the daily closing volume-weighted average price of Parent Common Stock on the
Nasdaq Global Select Market (based on &#147;regular way trading&#148;) for the twenty (20)&nbsp;consecutive trading days starting on the twenty-fifth (25th)&nbsp;trading day before the Effective Time; <U>provided</U>, <U>however</U>, that if and
only if the Parent Average Closing price is less than $14.62, then the Parent Average Closing Price shall be $14.62; and provided further, that if and only if the Parent Average Closing Price is greater than $18.80, then the Parent Average Closing
Price shall be $18.80. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(iv) &#147;<U>Per Share Cash Amount</U>&#148; means the quotient, rounded to the nearest thousandth of a United
States dollar ($0.001), of the Aggregate Cash Amount divided by the Company Closing Shares. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(v) &#147;<U>Per Share Exchange
Ratio</U>&#148; means the quotient, rounded to the nearest thousandth, of (1)&nbsp;$20,625,000 divided by the Company Closing Shares divided by (2)&nbsp;the Parent Average Closing Price. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of Conversion</U>. All of the shares of the Company Common Stock converted into
the right to receive the Merger Consideration pursuant to this Article I shall no longer be outstanding and shall automatically be cancelled and shall cease to exist as of the Effective Time, and each certificate previously representing any such
shares of the Company </P>
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Common Stock (each, a &#147;<U>Certificate</U>&#148;) and each non-certificated share of the Company Common Stock represented by book-entry (each, a &#147;<U>Book-Entry Share</U>&#148;) shall
thereafter represent only the right to receive the Merger Consideration and/or cash in lieu of fractional shares, into which the shares of the Company Common Stock represented by such Certificate or Book-Entry Share have been converted pursuant to
this Section&nbsp;1.4 and Section&nbsp;2.2(f). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Adjustments</U>. If, between
the date of this Agreement and the Effective Time, the outstanding shares of Parent Common Stock shall have been increased, decreased, changed into or exchanged for a different number or kind of shares or securities as a result of a reorganization,
recapitalization, reclassification, stock dividend, stock split, reverse stock split or other similar change in capitalization, an appropriate and proportionate adjustment shall be made to the Per Share Exchange Ratio. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dissenting Shares</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No later than ten (10)&nbsp;days following the date that the Company Shareholder Approval
is received, the Company or the Surviving Corporation shall provide each record holder of Company Common Stock entitled to vote on the Merger with a notice including the information set forth in Section&nbsp;1301(a) of the CGCL. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any provision of this Agreement to the contrary, no Dissenting Shares shall be
converted into or represent a right to receive the applicable consideration for such shares set forth in this Agreement, if any, but the holder of such Dissenting Shares shall only be entitled to such dissenters&#146; rights as are granted by
Chapter 13 of the CGCL. If a holder of shares of Company Common Stock who demands appraisal of such shares of Company Common Stock under Chapter 13 of the CGCL shall thereafter effectively withdraw or lose (through failure to perfect or otherwise)
the right to appraisal with respect to such shares of Company Common Stock, then, as of the occurrence of such withdrawal or loss, each such share of Company Common Stock shall be deemed as of the Effective Time to have been converted into and
represent only the right to receive, in accordance with Section&nbsp;1.4, the Merger Consideration for such shares set forth in this Article I. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall comply in all respects with the provisions of Chapter 13 of the CGCL with respect
to the Dissenting Shares. The Company shall give Parent (i)&nbsp;prompt notice of any demands for appraisal pursuant to Chapter 13 of the CGCL, attempted withdrawals of such demands and any other instruments served pursuant to Chapter 13 of the CGCL
and received by the Company in connection therewith and (ii)&nbsp;the opportunity to direct all negotiations and proceedings with respect to demands for appraisal under Chapter 13 of the CGCL. The Company shall not voluntarily make any payment with
respect to any demands for appraisal or offer to settle or settle any such demands without the prior written consent of Parent. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything in this Agreement to the contrary, Parent will cause Citizens Business Bank
to satisfy holders of Dissenting Shares solely out of the assets of the Company as of immediately prior to the Effective Time. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">1.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Stock Options</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall take all actions that may be reasonably necessary or that the Company
reasonably considers appropriate to provide that (A)&nbsp;each holder of an outstanding option to purchase Company common stock granted under any Company Stock Plan (a &#147;<U>Company Stock Option</U>&#148;) (whether or not then vested or
exercisable) shall be provided with written notice at least 60 days prior to the Option Termination Date pursuant to which all outstanding Company Stock Options held by such holder shall become fully vested and may be exercised by such holder on or
before the Business Day immediately preceding the Closing (the &#147;<U>Option Termination Date</U>&#148;) subject to and in accordance with the terms and conditions of the applicable Company Stock Plan and award agreement under which such Company
Stock Options were granted and (B)&nbsp;to the extent that any such Company Stock Option is not so exercised prior to, and continues to be outstanding immediately prior to, the Option Termination Date, such Company Stock Options shall be cancelled
as of the Effective Time and each holder of such cancelled Company Stock Option shall be entitled to receive a cash payment in an amount, without interest, equal to the product of (i)&nbsp;the total number of shares of Company Common Stock subject
to the canceled Company Stock Option times (ii)&nbsp;the excess, if any, of the Per Share Merger Consideration Value over the exercise price per share under such Company Stock Option (&#147;<U>Option Consideration</U>&#148;). Parent or the Exchange
Agent shall be entitled to deduct and withhold from the consideration paid in accordance with this Section&nbsp;1.5 on account of Company Stock Options such amounts as Parent or the Exchange Agent is required to deduct and withhold from such payment
under the Code or any similar Law. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Agreement, </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:18%; font-size:12pt; font-family:Times New Roman">(i) &#147;<U>Company Diluted Shares</U>&#148; means the aggregate number of shares of the Company Common Stock issued and outstanding
immediately prior to the Effective Time, including net shares (as calculated using the treasury stock method) issuable pursuant to Company Stock Options, whether vested or unvested. Notwithstanding the foregoing, except in connection with a stock
split, stock dividend or other Recapitalization transaction approved by Parent, the Company Diluted Shares will not exceed the number of shares outstanding on the Company Capitalization Date, plus any shares of Company Common Stock issued or
issuable pursuant to duly exercised Company Stock Options outstanding on the date of this Agreement that are disclosed in Section&nbsp;3.2(a)(ii). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:18%; font-size:12pt; font-family:Times New Roman">(ii) &#147;<U>Company Stock Plans</U>&#148; means the Company&#146;s 2003 Stock Option Plan and the Company&#146;s 2013 Omnibus Equity
Incentive Plan; and </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:18%; font-size:12pt; font-family:Times New Roman">(iii) &#147;<U>Per Share Merger Consideration Value</U>&#148; means the quotient of (A)&nbsp;sum of
(x)&nbsp;$20,625,000 plus (y)&nbsp;the product of the Per Share Exchange Ratio multiplied by the Parent Average Closing Price multiplied by Company Closing Shares divided by (B)&nbsp;the Company Diluted Shares. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At least fifteen (15)&nbsp;days prior to the Closing Date and prior to any such payment,
Company shall obtain a written acknowledgement and waiver (in form and substance reasonably satisfactory to Parent) from each holder of a Company Stock Option (i)&nbsp;confirming the number of Company Stock Options held, (ii)&nbsp;confirming that
the treatment of such Company </P>
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Stock Options pursuant to this Agreement and the amounts to be paid pursuant to this Agreement have been correctly calculated, (iii)&nbsp;acknowledging that in consideration for the cancellation
of such Company Stock Option, the holder agrees to accept the Option Consideration, and (iv)&nbsp;containing waivers for such other matters as reasonably determined by Parent. The Company shall provide a copy of each such acknowledgement and waiver
to obtain to Parent at least five (5)&nbsp;business days prior to the Closing Date. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">1.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Board Actions</U>.&nbsp;&nbsp;Prior to the Effective Time, the Board of Directors of
the Company and the Compensation Committee of the Board of Directors of the Company, as applicable, shall adopt any necessary resolutions to effectuate the provisions of Section&nbsp;1.5. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">1.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Articles of Incorporation and Bylaws</U>. At the Effective Time, the Articles of Incorporation
of Citizens Business Bank, as amended, as then in effect, will be the Articles of Incorporation of the Surviving Corporation, and the Bylaws of Citizens Business Bank, as amended, as then in effect, will be the Bylaws of the Surviving Corporation.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">1.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Board of Directors and Officers</U>. From and after the Effective Time, the Board of
Directors of Citizens Business Bank shall consist of the persons serving on the Board of Directors of Citizens Business Bank immediately prior to the Effective Time. From and after the Effective Time, the officers of Citizens Business Bank shall be
the officers of Citizens Business Bank immediately prior to the Effective Time and such officers shall hold office until their respective successors are duly appointed and qualified, or their earlier death, resignation or removal. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>EXCHANGE OF
SHARES </B></P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery of Merger Consideration</U>. At or prior to the Effective Time,
Parent shall (a)&nbsp;deposit, or cause to be deposited, with an exchange agent, which shall be a bank or trust company selected by Parent and reasonably acceptable to the Company (the &#147;<U>Exchange Agent</U>&#148;), pursuant to an agreement
(the &#147;<U>Exchange Agent Agreement</U>&#148;) entered into prior to the Effective Time, shares of Parent Common Stock issuable pursuant to Sections 1.4(a), 1.4(d) and 1.5 and an amount in cash to make the payments pursuant to Sections 1.4(a),
1.4(d) and 1.5 plus, (B)&nbsp;to the extent then determinable, any cash payable in lieu of fractional shares pursuant to Section&nbsp;2.2(f) (such amount in cash and Parent Common Stock, the &#147;<U>Exchange Fund</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exchange Procedures</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As soon as reasonably practicable after the Effective Time, but in any event within five
(5)&nbsp;Business Days thereafter, the Exchange Agent shall mail to each holder of record of Certificate(s) or Book-Entry Shares which, immediately prior to the Effective Time, represented outstanding shares of Company Common Stock whose shares were
converted into the right to receive the Merger Consideration pursuant to Section&nbsp;1.4 (&#147;<U>Exchanged Shares</U>&#148;), along with, in each case, any cash in lieu of fractional shares of Parent Common Stock to be issued or paid in
consideration therefor, (i)&nbsp;a letter of transmittal (the contents of which shall be reasonably acceptable to Company and which shall specify that delivery shall be effected, and risk of loss and title to Certificate(s) or Book-Entry Shares
shall pass, only upon delivery of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">6 </P>


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Certificate(s) (or affidavits of loss in lieu of such Certificate(s))) or Book-Entry Shares to the Exchange Agent and shall be substantially in such form and have such other provisions as shall
be prescribed by the Exchange Agent Agreement (the &#147;<U>Letter of Transmittal</U>&#148;) and (ii)&nbsp;instructions for use in surrendering Certificate(s) or Book-Entry Shares in exchange for the Merger Consideration, any cash in lieu of
fractional shares of Parent Common Stock to be issued or paid in consideration therefor and any dividends or distributions to which such holder is entitled pursuant to Section&nbsp;2.2(c). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon surrender to the Exchange Agent of its Certificate(s) or Book-Entry Shares,
accompanied by a properly completed Letter of Transmittal, a holder of Exchanged Shares will be entitled to receive promptly after such surrender in accordance with the Exchange Agent&#146;s customary practice, the Merger Consideration and any cash
in lieu of fractional shares of Parent Common Stock to be issued or paid in consideration therefor in respect of the Exchanged Shares represented by its Certificate(s) or Book-Entry Shares. Until so surrendered, each such Certificate or Book-Entry
Shares shall represent after the Effective Time, for all purposes, only the right to receive, without interest, the Merger Consideration and any cash in lieu of fractional shares of Parent Common Stock to be issued or paid in consideration therefor
upon surrender of such Certificate or Book-Entry Shares in accordance with, and any dividends or distributions to which such holder is entitled pursuant to, this Article II. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No dividends or other distributions with respect to Parent Common Stock shall be paid to
the holder of any unsurrendered Certificate or Book-Entry Shares with respect to the shares of Parent Common Stock represented thereby, in each case unless and until the surrender of such Certificate or Book-Entry Share in accordance with this
Article II. Subject to the effect of applicable abandoned property, escheat or similar Laws, following surrender of any such Certificate or Book-Entry Share in accordance with this Article II, the record holder thereof shall be entitled to receive,
without interest, (i)&nbsp;the amount of dividends or other distributions with a record date after the Effective Time theretofore payable with respect to the whole shares of Parent Common Stock represented by such Certificate or Book-Entry Share and
paid prior to such surrender date, and/or (ii)&nbsp;at the appropriate payment date, the amount of dividends or other distributions payable with respect to shares of Parent Common Stock represented by such Certificate or Book-Entry Shares with a
record date after the Effective Time (but before such surrender date) and with a payment date subsequent to the issuance of the Parent Common Stock issuable with respect to such Certificate or Book-Entry Shares. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event of a transfer of ownership of a Certificate or Book-Entry Shares representing
Exchanged Shares that are not registered in the stock transfer records of the Company, the shares of Parent Common Stock and the Per Share Cash Amount plus any cash in lieu of fractional shares of Parent Common comprising the Merger Consideration
with respect to such Exchanged Shares shall be issued or paid in exchange therefor to a Person other than the Person in whose name the Certificate or Book-Entry Shares so surrendered is registered if the Certificate or Book-Entry Shares formerly
representing such Exchanged Shares shall be properly endorsed or otherwise be in proper form for transfer and the Person requesting such payment or issuance shall pay any transfer or other similar taxes required by reason of the payment or issuance
to a Person other than the registered holder of the Certificate or Book-Entry Shares, or establish to the reasonable satisfaction of Parent that the tax has been paid or is not applicable. The Exchange Agent (or, subsequent to the earlier of
(x)&nbsp;the twelve (12)&nbsp;month anniversary of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">7 </P>


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the Effective Time and (y)&nbsp;the expiration or termination of the Exchange Agent Agreement, Parent or the Surviving Corporation) shall be entitled to deduct and withhold from any cash
otherwise payable pursuant to this Agreement to any holder of Exchanged Shares such amounts as the Exchange Agent, Parent or the Surviving Corporation, as the case may be, is required to deduct and withhold under the Code, or any provision of state,
local or foreign Tax Law, with respect to the making of such payment. To the extent the amounts are so withheld by the Exchange Agent, Parent or the Surviving Corporation, as the case may be, and timely paid over to the appropriate Governmental
Entity such withheld amounts shall be treated for all purposes of this Agreement as having been paid to the holder of Exchanged Shares in respect of whom such deduction and withholding was made by the Exchange Agent or Parent, as the case may be.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After the Effective Time, there shall be no transfers on the stock transfer books of
the Company of the shares of Company Common Stock that were issued and outstanding immediately prior to the Effective Time other than to settle transfers of such Company Common Stock that occurred prior to the Effective Time. If, after the Effective
Time, Certificates or Book-Entry Shares representing any such shares of Company Common Stock are presented for transfer to the Exchange Agent, they shall be cancelled and exchanged for the applicable Merger Consideration and any cash in lieu of
fractional shares of Parent Common Stock to be issued or paid in consideration therefor in accordance with the procedures set forth in this Article II. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary contained in this Agreement, no fractional shares
of Parent Common Stock shall be issued upon the surrender of Certificates or Book-Entry Shares for exchange, no dividend or distribution with respect to Parent Common Stock shall be payable on or with respect to any fractional share, and such
fractional share interests shall not entitle the owner thereof to vote or to any other rights of a shareholder of Parent. In lieu of the issuance of any such fractional share, Parent shall pay to each former shareholder of the Company who otherwise
would be entitled to receive such fractional share an amount in cash (rounded to the nearest cent) determined by multiplying (i)&nbsp;the Parent Average Closing Price by (ii)&nbsp;the fraction of a share (after taking into account all shares of
Company Common Stock held by such holder at the Effective Time and rounded to the nearest thousandth when expressed in decimal form) of Parent Common Stock to which such holder would otherwise be entitled to receive pursuant to Section&nbsp;1.4.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any portion of the Exchange Fund that remains unclaimed by the shareholders of the
Company as of the twelve (12)&nbsp;month anniversary of the Effective Time will be transferred to Parent. In such event, any former shareholders of the Company who have not theretofore complied with this Article II shall thereafter look only to
Parent with respect to the Merger Consideration, any cash in lieu of any fractional shares, and any unpaid dividends and distributions on the Parent Common Stock deliverable in respect of each share of Company Common Stock such shareholder holds as
determined pursuant to this Agreement, in each case, without any interest thereon. Notwithstanding the foregoing, none of Parent, the Surviving Corporation, the Exchange Agent or any other Person shall be liable to any former holder of shares of
Company Common Stock for any amount delivered in good faith to a public official pursuant to applicable abandoned property, escheat or similar Laws. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">8 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that any Certificate shall have
been lost, stolen or destroyed, upon the making of an affidavit of that fact by the Person claiming such Certificate to be lost, stolen or destroyed and, if reasonably required by Parent or the Exchange Agent, the posting by such Person of a bond in
such amount as Parent may determine is reasonably necessary as indemnity against any claim that may be made against it with respect to such Certificate, the Exchange Agent will issue in exchange for such lost, stolen or destroyed Certificate the
applicable Merger Consideration deliverable in respect thereof pursuant to this Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>REPRESENTATIONS AND WARRANTIES OF THE COMPANY </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">Except as Previously Disclosed, the Company hereby represents and warrants to Parent and Citizens Business Bank as follows: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate Organization</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Organization.</U> The Company is a corporation duly incorporated, validly existing and
in good standing under the Laws of the State of California. The Company is duly authorized by the Commissioner to conduct the business of a commercial bank under the CFC. The Company has the requisite corporate power and authority to own or lease
all of its properties and assets and to carry on its business as it is now being conducted and, except as would not reasonably be expected to individually or in the aggregate have a Material Adverse Effect on the Company, is duly licensed or
qualified to do business in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing or qualification necessary. The deposit accounts
of the Company are insured by the Federal Deposit Insurance Corporation (the &#147;<U>FDIC</U>&#148;) through the Deposit Insurance Fund to the fullest extent permitted by Law, all premiums and assessments required to be paid in connection therewith
have been paid when due, and no proceedings for the termination of such insurance are pending or, to the Knowledge of the Company, threatened. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Articles and Bylaws.</U> True, complete and correct copies of the Articles of
Incorporation of the Company (the &#147;<U>Company Articles</U>&#148;), and the Bylaws of the Company (the &#147;<U>Company Bylaws</U>&#148;), as in effect as of the date of this Agreement, have been made available to Parent. The Company Articles
and the Company Bylaws made available to Parent are in full force and effect. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Subsidiaries</U><I>. </I>The Company has no Subsidiaries. As used in this Agreement,
the term &#147;<U>Subsidiary</U>&#148; has the meaning ascribed to it in Section&nbsp;2(d) of the Bank Holding Company Act of 1956 (the &#147;<U>BHC Act</U>&#148;), except that when such term is used with respect to an entity that is not a bank
holding company, the meaning shall nonetheless be deemed to apply to such entity. The Company does not, directly or indirectly, beneficially own any equity securities or similar interests of any entity or any interests of any entity or any interest
in a partnership or joint venture of any kind. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">9 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Capitalization</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The authorized capital stock of the Company consists of 16,666,667 shares of common stock
(the &#147;<U>Company Common Stock</U>&#148;). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of, October&nbsp;14, 2015
(the &#147;<U>Company Capitalization Date</U>&#148;), 2,388,876 shares of the Company Common Stock were issued and outstanding. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of the Company Capitalization Date, no shares of the Company Common Stock were
reserved for issuance, except in connection with awards under the Company Stock Plans to purchase no more than 474,055 shares of the Company Common Stock, of which (1)&nbsp;134,055 shares were reserved and available for issuance upon exercise of
outstanding Company Stock Options and (2)&nbsp;340,000 shares of the Company Common Stock were reserved and available for issuance pursuant to future awards under the Company Stock Plans. As of the Company Capitalization Date, no restricted stock
awards under any Company Stock Plan (a &#147;<U>Company Restricted Stock Award</U>&#148;) are outstanding. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All of the issued and outstanding shares of the Company Common Stock have been duly authorized and
validly issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof. There are no outstanding dividends, whether current or accumulated, due or payable on any of the capital
stock of the Company. As of the date of this Agreement, no bonds, debentures, notes or other indebtedness having the right to vote on any matters on which shareholders of the Company may vote (&#147;<U>Voting Debt</U>&#148;) are issued or
outstanding. There are no contractual obligations of the Company (1)&nbsp;to repurchase, redeem or otherwise acquire any shares of capital stock of the Company or any equity security of the Company or any securities representing the right to
purchase or otherwise receive any shares of capital stock or any other equity security of the Company or (2)&nbsp;pursuant to which the Company is or could be required to register shares of the Company capital stock or other securities under the
Securities Act of 1933, as amended (the &#147;<U>Securities Act</U>&#148;). Except for the Support Agreements, there are no voting trusts or other agreements or understandings to which the Company, or, to the Knowledge of the Company, any of their
respective officers or directors, is a party with respect to the voting of any Company Common Stock, Voting Debt or other equity securities of the Company. Except pursuant to this Agreement and the Company Stock Options, the Company does not have
and is not bound by any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling for the purchase or issuance of any shares of the capital stock of the Company, Voting Debt of the Company or any
other equity securities of the Company. Section&nbsp;3.2(a) of the Company Disclosure Schedule sets forth a true and complete list of all Company Stock Options, Company Restricted Stock Award and restricted stock units, outstanding as of the Company
Capitalization Date, specifying on a holder-by-holder basis (A)&nbsp;the name of such holder, (B)&nbsp;the number of shares subject to each such award, or the number of Common Stock Options held by such holder, (C)&nbsp;as applicable, the grant date
of each such award, (D)&nbsp;as applicable, the vesting schedule of each such award, and (E)&nbsp;the exercise price for each such Company Stock Option. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other than Company Stock Options under the Company Stock Plans that are outstanding as of
the Company Capitalization Date and listed in Section&nbsp;3.2(a) of the Company Disclosure Schedule, no other equity-based awards or rights are outstanding as of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">10 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
Company Capitalization Date. Since the Company Capitalization Date through the date hereof, the Company has not (i)&nbsp;issued or repurchased any shares of the Company Common Stock, Voting Debt
or other equity securities of the Company, other than in connection with the exercise of the Company Stock Options or settlement of each in accordance with their terms that were outstanding on the Company Capitalization Date or (ii)&nbsp;issued or
awarded any options, stock appreciation rights, restricted shares, restricted stock units, deferred equity units, awards based on the value of the Company capital stock or any other equity-based awards. With respect to each grant of the Company
Stock Options, (1)&nbsp;each such grant was made in accordance with the terms of the applicable Company Stock Plan and all applicable Laws and (2)&nbsp;each such grant was properly accounted for in accordance with generally accepted accounting
principles in the United States applied to banks or banking holding companies for the applicable period(s) (&#147;<U>GAAP</U>&#148;) in the financial statements (including the related notes) of the Company in accordance with all applicable Laws. All
Company Stock Options granted by the Company or any of its Subsidiaries have been granted with a per share exercise or reference price at least equal to the fair market value of the underlying stock on the date the option was granted, within the
meaning of Section&nbsp;409A of the Code and associated Treasury Department guidance, and each Company Stock Option has a grant date identical to the date on which the Board of Directors of the Company or compensation committee of the Board of
Directors of the Company actually awarded such option. From January&nbsp;1, 2014 through the date of this Agreement, except as set forth in Section&nbsp;3.2(b) of the Company Disclosure Schedule, the Company has not (A)&nbsp;accelerated the vesting
of or lapsing of restrictions with respect to any stock-based compensation awards or long-term incentive compensation awards, (B)&nbsp;with respect to executive officers of the Company, entered into or amended any employment, severance, change of
control or similar agreement (including any agreement providing for the reimbursement of excise taxes under Section&nbsp;4999 of the Code) or (C)&nbsp;adopted or amended any Company Stock Plan. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authority; No Violation</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has full corporate power and authority to execute and deliver this Agreement
and to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the transactions contemplated hereby have been duly and validly approved and this Agreement duly adopted unanimously by the
Board of Directors of the Company. As of the date of this Agreement, the Board of Directors of the Company has unanimously determined that the Merger, on the terms and conditions set forth in this Agreement, is in the best interests of the Company
and its shareholders and has directed that this Agreement and the transactions contemplated hereby be submitted to the Company&#146;s shareholders for approval at a duly held meeting of such shareholders and has adopted a resolution to the foregoing
effect. Except for the approval of this Agreement and the transactions contemplated hereby by the affirmative vote of a majority of all the outstanding Company Common Stock (the &#147;<U>Company Shareholder Approval</U>&#148;) no other corporate
proceedings on the part of the Company are necessary to approve this Agreement or to consummate the Merger or the other transactions contemplated hereby. This Agreement has been duly and validly executed and delivered by the Company and (assuming
due authorization, execution and delivery by Parent) constitutes the valid and binding obligation of the Company, enforceable against the Company in accordance with its terms (except as may be limited by bankruptcy, insolvency, fraudulent transfer,
moratorium, reorganization or similar Laws of general applicability relating to or affecting the rights of creditors generally and subject to general principles of equity and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">11 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
Section&nbsp;8(b)(6)(D) of the Federal Deposit Insurance Act, 12 U.S.C. Section&nbsp;1818(b)(6)(D) ((as applicable) (the &#147;<U>Enforceability Exceptions</U>&#148;)). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as set forth in Section&nbsp;3.3(b) of the Company Disclosure Schedule, neither the
execution and delivery of this Agreement by the Company, nor the consummation by the Company, as the case may be, of the Merger or the other transactions contemplated hereby, nor compliance by the Company with any of the terms or provisions of this
Agreement, will (i)&nbsp;violate any provision of the Company Articles, the Company Bylaws, or (ii)&nbsp;assuming that the consents, approvals and filings referred to in Section&nbsp;3.4 are duly obtained and/or made, (A)&nbsp;violate any law,
statute, rule, regulation, judgment, order, injunction or decree issued, promulgated or entered into by or with any Governmental Entity (each, a &#147;<U>Law</U>&#148;) applicable to the Company, or any of its properties or assets or
(B)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event that, with notice or lapse of time, or both, would constitute a default) under, result in the termination of
or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any liens, pledges, charges, claims and security interests and similar encumbrances (&#147;<U>Liens</U>&#148;), upon any of the
respective properties or assets of the Company under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, Lease, franchise, permit, agreement, bylaw or other instrument or obligation to which
the Company is a party or by which it or any of its properties or assets is bound. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents and Approvals</U>. Except for (a)&nbsp;the filing by Parent with the Securities and
Exchange Commission (&#147;<U>SEC</U>&#148;) of a registration statement on Form S-4 (or such other applicable form) (the &#147;<U>Form S-4</U>&#148;) that includes a proxy statement in definitive form relating to the meeting of the Company&#146;s
shareholders to be held in connection with this Agreement and the transactions contemplated by this Agreement (the &#147;<U>Proxy Statement</U>&#148;), and declaration of effectiveness of the Form S-4, (b)&nbsp;filings of applications and notices
with the Commissioner pursuant to the CFC and approval of or non-objection to such applications, filings and notices, (c)&nbsp;the filing of a bank merger application with the FDIC pursuant to the Bank Merger Act of 1960, as amended, (d)&nbsp;the
filing of the Agreement of Merger with the California Secretary and the Commissioner, (e)&nbsp;the Company&#146;s filing of a notice concerning the Merger with FINRA, (f)&nbsp;the Parent filing of such reports under Sections 13(a), 13(d), 13(g),
14(f) and 16(a) of the Exchange Act as may be required in connection with this Agreement and the transactions contemplated hereby, (g)&nbsp;such filings and approvals as are required to be made or obtained under the securities or &#147;blue
sky&#148; Laws of various states in connection with the issuance of the shares of Parent Common Stock pursuant to the Agreement, and (h)&nbsp;the filing by Parent with the Federal Reserve under the BHC Act for such approvals or non-objection as may
be necessary for Parent to acquire Company, no consents or approvals of or filings or registrations with any foreign, federal or state banking or other regulatory, self-regulatory or enforcement authorities or any courts, administrative agencies or
commissions or other governmental authorities or instrumentalities (each a &#147;<U>Governmental Entity</U>&#148;), are necessary in connection with the consummation by the Company of the Merger and the other transactions contemplated by this
Agreement. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reports</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has timely filed all reports, registrations, statements and certifications,
together with any amendments required to be made with respect thereto (collectively, &#147;<U>Company Filings</U>&#148;) that they were required to file since July&nbsp;1, 2012 with (i)&nbsp;the FDIC, (ii)&nbsp;the Commissioner and any other state
banking or other state regulatory authority, (iii)&nbsp;the U.S. Small Business Administration, (iv)&nbsp;any other federal, state or foreign regulatory authority and (v)&nbsp;any applicable industry self-regulatory organizations (collectively,
&#147;<U>Regulatory Agencies</U>&#148;) and with each other applicable Governmental Entity, and all other reports and statements required to be filed by them since July&nbsp;1, 2012, including any report or statement required to be filed pursuant to
the Laws, rules or regulations of the United States, any state, any foreign entity, or any Regulatory Agency or other Governmental Entity, have paid all fees and assessments due and payable in connection therewith, and there are no violations or
exceptions in any such report or statement that are unresolved as of the date hereof. As of their respective dates, each of such Company Filings (i)&nbsp;complied in all material respects with all Laws and regulations enforced or promulgated by the
Governmental Entity with which it was filed (or was amended so as to be in compliance promptly following discovery of any such noncompliance) and (ii)&nbsp;did not contain any untrue statement of a material fact. The Company has made available to
Parent true and correct copies of all such Company Filings. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is in
compliance in all material respects with the applicable listing and corporate governance rules and regulations of the FINRA with respect to the quotation of the Company Common Stock on the OTC Bulletin Board. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial Statements; Controls</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has delivered to Parent correct and complete copies of (i)&nbsp;the audited
balance sheets of the Company as of December&nbsp;31, 2012, 2013 and 2014, and the related audited statements of income, shareholders&#146; equity and cash flows for the years ended December&nbsp;31, 2012, 2013 and 2014 (&#147;<U>Company Audited
Financial Statements</U>&#148;) and (ii)&nbsp;an unaudited balance sheet of the Company as of June&nbsp;30, 2015, and the related unaudited statements of income, shareholders&#146; equity and cash flows for the period ended June&nbsp;30, 2015 (the
&#147;<U>Company Interim Financial Statements</U>&#148; and, together with the Company Audited Financial Statement, the &#147;<U>Company Financial Statements</U>&#148;). The Company has also delivered to Parent true, correct and complete copies of
each management letter or other letter delivered to Company by Crowe Horwath LLP in connection with the Company Audited Financial Statements or relating to any review of the internal controls of the Company since January&nbsp;1, 2012. The Company
Financial Statements (i)&nbsp;fairly present in all material respects the financial condition of the Company, as of the respective dates indicated and its results of operations and statements of cash flows, for the respective periods then ended,
subject, in the case of the Company Interim Financial Statements, to normal recurring adjustments; (ii)&nbsp;have been prepared in accordance with GAAP and/or applicable regulatory accounting principles or banking regulations consistently applied
(except as otherwise indicated therein); (iii)&nbsp;set forth as of the respective dates indicated adequate reserves for loan losses and other contingencies; and (iv)&nbsp;are based upon the books and records of the Company. The books and records of
the Company have been maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. As of the date hereof, Crowe
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">13 </P>


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Horwath LLP has not resigned (or informed the Company that it intends to resign) or been dismissed as independent public accountants of the Company as a result of or in connection with any
disagreements with the Company on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has not incurred any liability or obligation of any nature whatsoever (whether
absolute, accrued, contingent, determined, determinable or otherwise and whether due or to become due), except for (i)&nbsp;those liabilities that are reflected or reserved against on the consolidated balance sheet of the Company included in the
Company Audited Financial Statements for the fiscal year ended December&nbsp;31, 2014 (including any notes thereto), (ii)&nbsp;liabilities incurred in the ordinary course of business consistent with past practice since December&nbsp;31, 2014 which
have been Previously Disclosed, (iii)&nbsp;in connection with this Agreement and the transactions contemplated hereby; or (iv)&nbsp;liabilities, obligations, and loss contingencies that are specifically described in a representation and warranty
herein. Except for those liabilities described in subsections (i)&nbsp;through (iv)&nbsp;of the immediately preceding sentence, there is no basis for the asserting against the Company any liability, obligation or claim that may reasonably be
expected to have a Material Adverse Effect. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2012, (i)&nbsp;the
Company has not, nor to the Knowledge of Company, no director, officer, employee, auditor, accountant or representative of the Company, has received or otherwise obtained knowledge of any complaint, allegation, assertion or claim, whether written or
oral, regarding the accounting or auditing practices, procedures, methodologies or methods of the Company or its internal accounting controls relating to periods after January&nbsp;1, 2012, including any complaint, allegation, assertion or claim
that the Company has engaged in questionable accounting or auditing practices, and (ii)&nbsp;no attorney representing the Company, whether or not employed by Company, has reported evidence of a violation of securities Laws, breach of fiduciary duty
or similar violation relating to periods after January&nbsp;1, 2012, by the Company, or any of their respective officers, directors, employees or agents to the Company Board of Directors or any committee thereof or to any director or officer of the
Company. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is not a party to, or has any commitment to become a party to,
any joint venture, off-balance sheet partnership or any similar contract or arrangement (including any contract or arrangement relating to any transaction or relationship between or between the Company on the one hand, and any unconsolidated
Affiliate, including any structured finance, special purpose or limited purpose entity or Person, on the other hand, or any &#147;off-balance sheet arrangement&#148;), where the result, purpose or intended effect of such contract or arrangement is
to avoid disclosure of any material transaction involving, or material liabilities of, Company in the Company Audited Financial Statements or the Company Unaudited Financial Statements. For purposes of this Agreement, &#147;<U>Affiliate</U>&#148;
and &#147;<U>Affiliated</U>&#148; mean, with respect to any Person, any other Person that directly or indirectly controls, is controlled by or is under common control with such first Person. For the purposes of this definition, &#147;control&#148;
(including, the terms &#147;controlling,&#148; &#147;controlled by&#148; and &#147;under common control with&#148;), as applied to any Person, means the possession directly or indirectly of the power to direct or cause the direction of the
management and policies of that Person, whether through the ownership of voting securities by contract or otherwise. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">14 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Broker&#146;s Fees</U>. Neither the Company
nor any of its officers, directors, employees or agents has utilized any broker, finder or financial advisor or incurred any liability for any broker&#146;s fees, commissions or finder&#146;s fees in connection with the Merger or any other
transactions contemplated by this Agreement, other than to Keefe, Bruyette&nbsp;&amp; Woods, Inc. pursuant to a letter agreement, a true, complete and correct copy of which has been previously delivered to Parent. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Changes</U>. Except as set forth in Section&nbsp;3.8 of the Company
Disclosure Schedule, since December&nbsp;31, 2014: (1)&nbsp;the Company has conducted its business only in the ordinary and usual course of the business, (2)&nbsp;no damage, destruction or other casualty loss (whether or not covered by insurance)
that may involve a loss of more than $100,000 has been experienced by the Company; (3)&nbsp;no direct or indirect redemption, purchase or other acquisition by the Company of any equity securities or any declaration, setting aside or payment of any
dividend or other distribution on or in respect of any Common Stock, whether consisting of money other personal property, real property or other things of value; and (4)&nbsp;no event, change or development or combination of changes or developments
has occurred that have had or would reasonably be expected to have either individually or in the aggregate, a Material Adverse Effect on the Company. As used in this Agreement, the term &#147;<U>Material Adverse Effect</U>&#148; means, with respect
to any party, a material adverse effect on (a)&nbsp;the business, assets or deposit liabilities, properties, operations, condition (financial or otherwise) or results of operations of such party and its Subsidiaries taken as a whole;
<U>provided</U>, <U>however</U>, that, with respect to this clause (a), a &#147;Material Adverse Effect&#148; shall not be deemed to include effects arising out of, relating to or resulting from (A)&nbsp;changes after the date hereof in applicable
GAAP or regulatory accounting requirements generally affecting other companies in the banking industries in which such party and its Subsidiaries operate, (B)&nbsp;changes after the date hereof in Laws general applicability to companies of similar
size in the banking industries in which such party and its Subsidiaries operate, (C)&nbsp;changes after the date hereof in global, national or regional political conditions or general economic or market conditions (including changes in prevailing
interest rates, credit availability and liquidity, currency exchange rates, and price levels or trading volumes in the United States or foreign securities markets) affecting other companies in the banking industries in which such party and its
Subsidiaries operate, (D)&nbsp;changes after the date hereof in the credit markets, any downgrades in the credit markets, or adverse credit events resulting in deterioration in the credit markets generally and including changes to any previously
correctly applied asset marks resulting therefrom, (E)&nbsp;a decline in the trading price the Parent Common Stock within the bounds specified in Section&nbsp;8.1(e) or a failure, in and of itself, to meet earnings projections, but not, in either
case, including any underlying causes thereof, (F)&nbsp;any outbreak or escalation of hostilities, or declared or undeclared acts of war or terrorism, or (G)&nbsp;actions or omissions taken with the prior written consent of the other party or
expressly required by this Agreement, except that effects attributable to or resulting from any of the changes, events, conditions or trends described in clauses (A), (B), (C), (D)&nbsp;and (F)&nbsp;shall not be excluded to the extent of any
disproportionate impact they have on such party and its Subsidiaries, taken as a whole, as compared to other companies in the banking industry in which such party and its Subsidiaries operate; or (b)&nbsp;the ability of such party to consummate the
transactions contemplated by this Agreement on a timely basis. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">15 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with Applicable Law</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as set forth in Section&nbsp;3.9 of the Company Disclosure Schedule, the Company
holds, and has at all times since December&nbsp;31, 2012 held, all licenses, franchises, permits and authorizations which are necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and
assets under and pursuant to applicable Law (and have paid all fees and assessments due and payable in connection therewith) and, to the Knowledge of the Company, no suspension or cancellation of any such necessary license, franchise, permit or
authorization is threatened. Except as set forth in Section&nbsp;3.9 of the Company Disclosure Schedule, the Company has complied in all material respects with, and are not in material default or violation of, (i)&nbsp;any applicable Law, including
all Laws related to data protection or privacy, the USA PATRIOT Act, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending
Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial
Protection Bureau, the U.S. Small Business Administration, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, and
any other Law relating to bank secrecy, discriminatory lending, financing or leasing practices, money laundering prevention, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act of 2002 (the &#147;<U>Sarbanes-Oxley Act</U>&#148;),
and all agency requirements relating to the origination, sale and servicing of loans, and (ii)&nbsp;any posted or internal privacy policies relating to data protection or privacy, including without limitation, the protection of personal information,
and the Company does not know of, nor has it received from a Governmental Entity since January&nbsp;1, 2012, notice of, any material defaults or violations of any applicable Law relating to Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has properly administered in all material respects all accounts for which it
acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable Law. None of the
Company, or any director, officer or employee of the Company, has committed any breach of trust or fiduciary duty with respect to any such fiduciary account, and the accountings for each such fiduciary account are true and correct and accurately
reflect the assets of such fiduciary account. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is not subject to any
cease-and-desist order or enforcement action issued by, nor is the Company a party to any written agreement, or consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking with, or is subject
to any capital directive by, or since January&nbsp;1, 2012 has adopted any board resolutions at the request of, any Governmental Entity (each a &#147;<U>Regulatory Agreement</U>&#148;), nor has the Company been advised since January&nbsp;1, 2012 and
prior to the date hereof by any Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Regulatory Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">16 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor, to the Knowledge of
the Company, any of its directors, officers, agents, employees or any other Persons acting on their behalf, (i)&nbsp;has violated the Foreign Corrupt Practices Act, 15 U.S.C. &#167; 78dd-1 et seq., as amended, or any other similar applicable
foreign, federal or state legal requirement, (ii)&nbsp;has made or provided, or caused to be made or provided, directly or indirectly, any payment or thing of value to a foreign official, foreign political party, candidate for office or any other
Person while knowing or having a reasonable belief that the Person will pay or offer to pay the foreign official, party or candidate, for the purpose of influencing a decision, inducing an official to violate their lawful duty, securing an improper
advantage, or inducing a foreign official to use their influence to affect a governmental decision, (iii)&nbsp;has paid, accepted or received any unlawful contributions, payments, expenditures or gifts, (iv)&nbsp;has violated or operated in
noncompliance with any export restrictions, money laundering Law, anti-terrorism Law or regulation, anti-boycott regulations or embargo regulations or (v)&nbsp;is currently subject to any United States sanctions administered by the Office of Foreign
Assets Control of the United States Treasury Department. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>State Takeover Laws</U>. No
&#147;business combination,&#148; &#147;fair price,&#148; &#147;affiliate transaction,&#148; &#147;moratorium,&#148; &#147;control share,&#148; &#147;takeover&#148; or &#147;interested shareholder&#148; Law or other similar anti-takeover statue or
regulation (collectively, the &#147;<U>Takeover Laws</U>&#148;) is applicable to this Agreement or the transactions contemplated hereby. The Company does not have any shareholder rights plan, &#147;poison pill&#148; or similar plan or arrangement in
effect. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee Benefit Plans</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;3.11(a) of the Company Disclosure Schedule sets forth a true, complete and
correct list of each employee benefit plan, program, policy, practice, or other arrangement providing benefits to any current or former employee, officer or director of the Company or any beneficiary or dependent thereof that is sponsored or
maintained by the Company or to which the Company contributes or is obligated to contribute on the date hereof, whether or not written, including, without limitation, any employee welfare benefit plan within the meaning of Section&nbsp;3(1) of the
Employee Retirement Income Security Act of 1974, as amended (&#147;<U>ERISA</U>&#148;), any employee pension benefit plan within the meaning of Section&nbsp;3(2) of ERISA (whether or not such plan is subject to ERISA) and any equity purchase plan,
option, equity bonus, phantom equity or other equity plan, profit sharing, bonus, retirement (including compensation, pension, health, medical or life insurance benefits), deferred compensation, excess benefit, incentive compensation, severance,
change in control or termination pay, agreements providing for Change of Control Payments, hospitalization or other medical or dental, life or other insurance (including any self-insured arrangements), supplemental unemployment, salary continuation,
sick leave or other leave of absence benefits, short- or long-term disability, or vacation benefits plan or any other agreement or policy or other arrangement providing employee benefits, employment-related compensation, fringe benefits or other
benefits (whether qualified or nonqualified, funded or unfunded) (each an &#147;<U>Employee Benefit Plan</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With respect to each Employee Benefit Plan, the Company has delivered or made available to
Parent a true, correct and complete copy of: (i)&nbsp;each writing constituting a part of such Employee Benefit Plan, including, without limitation, all plan documents, benefit schedules, formal or informal trust agreements, and insurance contracts
and other funding vehicles; (ii)&nbsp;the most recent Annual Report (Form 5500 Series) and accompanying schedule, if </P>
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any; (iii)&nbsp;all investment policy statements or guidelines, delegations and charters related to any Employee Benefit Plan; (iv)&nbsp;each trust agreement, group annuity contract or other
funding mechanism relating to any Employee Benefit Plan, (v)&nbsp;the current summary plan description and any material modifications thereto, if any; (vi)&nbsp;the most recent annual financial report, if any; (vii)&nbsp;the most recent actuarial
report, if any; and (viii)&nbsp;the most recent determination letter from the IRS, if any. Except as specifically provided in the foregoing documents delivered or made available to Parent and, except as provided in this Agreement, there are no
amendments to any Employee Benefit Plan that have been adopted or approved nor has the Company undertaken to make any such amendments or to adopt or approve any new Employee Benefit Plan. No Employee Benefit Plan is maintained outside the
jurisdiction of the United States, or covers any employee residing or working outside of the United States. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Employee Benefit Plan intended to qualify under Section&nbsp;401(a) of the Code and
each related trust intended to qualify under Section&nbsp;501(a) of the Code has received a favorable determination or opinion letter from the IRS with respect to each such Employee Benefit Plan as to its qualified status under the Code, including
all amendments to the Code effected by the Tax Reform Act of 1986 and subsequent legislation for the most recent cycle applicable to such qualified plan pursuant to Revenue Procedure 2005-66 (as amended or otherwise revised by subsequent IRS
guidance), any such letter has not been revoked (nor to the Knowledge of the Company has revocation been threatened) and no fact or event has occurred since the date of such letter or letters from the IRS that could reasonably be expected to
adversely affect the qualified status of any such Employee Benefit Plan or the exempt status of any such trust. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With respect to each Employee Benefit Plan, the Company has complied in all material
respects, and is now in substantial compliance with all provisions of ERISA, the Code and all Laws and regulations applicable to such Employee Benefit Plans and each Employee Benefit Plan has been administered in all material respects in accordance
with its terms. There is not now, nor do any circumstances exist that could reasonably be expected to give rise to, any requirement for the posting of security with respect to any Employee Benefit Plan or the imposition of any lien on the assets of
the Company under ERISA or the Code. The Company has not engaged in a transaction with respect to any applicable Employee Benefit Plan that, assuming the taxable period of such transaction expired as of the date hereof, could subject the Company to
a tax or penalty imposed by either Section&nbsp;4975 of the Code or Section&nbsp;502(i) of ERISA. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All contributions required to be made to any Employee Benefit Plan by applicable Law or
regulation or by any plan document or other contractual undertaking, and all premiums due or payable with respect to insurance policies funding any Employee Benefit Plan, for any period through the date hereof have been timely made or paid in full
or, to the extent not required to be made or paid on or before the date hereof, have been accrued on the Company Financial Statements to the extent required under GAAP. Each Employee Benefit Plan that is an employee welfare benefit plan under
Section&nbsp;3(1) of ERISA is either (i)&nbsp;funded through an insurance company contract and is not a &#147;welfare benefit fund&#148; with the meaning of Section&nbsp;419 of the Code or (ii)&nbsp;unfunded. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">18 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) No Employee Benefit Plan is a
&#147;multiemployer plan&#148; within the meaning of Section&nbsp;3(37) or 4001(a)(3) of ERISA (a &#147;<U>Multiemployer Plan</U>&#148;) or a plan that has two or more contributing sponsors at least two of whom are not under common control, within
the meaning of Section&nbsp;4063 of ERISA (a &#147;<U>Multiple Employer Plan</U>&#148;); (ii)&nbsp;none of the Company nor any of its ERISA Affiliates has, at any time during the last six years, contributed to or been obligated to contribute to any
Multiemployer Plan or Multiple Employer Plan; (iii)&nbsp;neither the Company nor any of its ERISA Affiliates has incurred any Withdrawal Liability that has not been satisfied in full; and (iv)&nbsp;no Employee Benefit Plan is subject to Title IV or
Section&nbsp;302 of ERISA or to Sections 412 or 430 of the Code. &#147;<U>ERISA Affiliate</U>&#148; means, with respect to any entity, trade or business, any other entity, trade or business that is a member of a group described in
Section&nbsp;414(b), (c), (m)&nbsp;or (o)&nbsp;of the Code or Section&nbsp;4001(b)(1) of ERISA that includes the first entity, trade or business, or that is a member of the same &#147;controlled group&#148; as the first entity, trade or business
pursuant to Section&nbsp;4001(a)(14) of ERISA. &#147;<U>Withdrawal Liability</U>&#148; means liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as those terms are defined in Part I of
Subtitle E of Title IV of ERISA. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There does not exist, nor, to the Knowledge of the
Company, do any circumstances exist that could reasonably be expected to result in, any Controlled Group Liability that would be a liability of the Company or any of its ERISA Affiliates following the Closing. Without limiting the generality of the
foregoing, neither the Company nor any of its ERISA Affiliates, has engaged in any transaction described in Section&nbsp;4069 or Section&nbsp;4204 or 4212 of ERISA. &#147;<U>Controlled Group Liability</U>&#148; means any and all liabilities
(i)&nbsp;under Title IV of ERISA, (ii)&nbsp;under Section&nbsp;302 of ERISA, (iii)&nbsp;under Sections 412 and 4971 of the Code, (iv)&nbsp;as a result of a failure to comply with the continuation coverage requirements of Section&nbsp;601 et seq. of
ERISA and Section&nbsp;4980B of the Code, (v)&nbsp;as a result of a failure to comply with the group health care coverage requirements of sections 4980D or 4890H of the Code and (vi)&nbsp;under corresponding or similar provisions of foreign Laws or
regulations. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has no liability for life, health, medical or other welfare
benefits to former employees or beneficiaries or dependents thereof, except for health continuation coverage as required by Section&nbsp;4980B of the Code or Part 6 of Title I of ERISA and at no expense to the Company, except as set forth in
Section&nbsp;3.11(h) of the Company Disclosure Schedule. The Company has reserved the right to amend, terminate or modify at any time all plans or arrangements providing for post-retirement welfare benefits, except as set forth in
Section&nbsp;3.11(h) of the Company Disclosure Schedule. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as would not
reasonably be expected to result in any liability to the Company, there are no pending or threatened claims (other than routine undisputed claims for benefits in the ordinary course), lawsuits or arbitrations which have been asserted, threatened or
instituted, and to the Knowledge of the Company, no set of circumstances exists which may reasonably give rise to a claim or lawsuit against the Employee Benefit Plans, any fiduciaries thereof with respect to their duties to the Employee Benefit
Plans or the assets of any of the trusts under any of the Employee Benefit Plans. The Company has not taken any action to take corrective action or make a filing under any voluntary correction program of the IRS, the U.S. Department of Labor or any
other Governmental Entity with respect to any Employee Benefit Plan, and the Company has no knowledge of any plan defect that would qualify for correction </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">19 </P>


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under any such program. No audit or other proceeding by a Governmental Entity is pending or, to the Company&#146;s Knowledge, threatened with respect to any Employee Benefit Plan. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Employee Benefit Plan that is or was a &#147;nonqualified deferred compensation
plan&#148; within the meaning of Section&nbsp;409A of the Code and associated Treasury Department guidance has been operated in compliance with, and is in documentary compliance with, Section&nbsp;409A of the Code and IRS regulations and guidance
thereunder. No compensation payable by the Company has been reportable as nonqualified deferred compensation in the gross income of any individual or entity, and subject to an additional tax, as a result of the operation of Section&nbsp;409A of the
Code and no arrangement exists with respect to a nonqualified deferred compensation plan that would result in income inclusion under Section&nbsp;409A(b) of the Code. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as set forth in Section&nbsp;3.11(k) of the Company Disclosure Schedule, neither
the execution and delivery of this Agreement nor the consummation of the transactions contemplated hereby, either alone or together with any other event or events, will (i)&nbsp;result in any payment (including, without limitation, severance, change
in control, forgiveness of indebtedness or otherwise) becoming due under any Employee Benefit Plan, whether or not such payment is contingent, (ii)&nbsp;increase any payments or benefits otherwise payable under any Employee Benefit Plan,
(iii)&nbsp;result in the acceleration of the time of payment, vesting or funding of any benefits including, but not limited to, the acceleration of the vesting and exercisability of any equity awards, whether or not contingent, (iv)&nbsp;result in
any limitation on the right of the Company to amend, merge, terminate or receive a reversion of assets from any Employee Benefit Plan or related trust, (v)&nbsp;require the funding of any trust or other funding vehicle or (vi)&nbsp;limit or restrict
the right of the Company or, after the consummation of the transactions contemplated hereby, the Surviving Corporation, to merge, amend or terminate any of the Employee Benefit Plans. There is no agreement, contract or arrangement to which the
Company is a party that could, individually or collectively, result in the payment of any amount that would not be deductible by reason of Section&nbsp;280G of the Code, as determined without regard to Section&nbsp;280G(b)(4) of the Code. As of the
Closing, the Company shall have received, as of a date no earlier than five (5)&nbsp;Business Days prior to the Closing Date, the written confirmation of Crowe Horwath LLP or another nationally recognized accounting firm reasonably acceptable to
Parent that no agreement, contract or arrangement to which any employee of the Company is a party will result in the payment of any amount that would not be deductible by reason of Section&nbsp;280G of the Code, as determined without regard to
Section&nbsp;280G(b)(4) of the Code. No Employee Benefit Plan provides for the gross-up or reimbursement of Taxes under Section&nbsp;4999 or 409A of the Code, or otherwise. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each individual who renders services to the Company who is classified by the Company, as
having the status of an independent contractor or other non-employee status for any purpose (including for purposes of taxation and tax reporting and participation under Employee Benefit Plans) is properly so characterized. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Approvals</U>. As of the date of this Agreement, the Company knows of no reason why all regulatory
approvals from any Governmental Entity required for the consummation of the transactions contemplated by this Agreement should not be obtained on a timely basis. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">20 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Opinion</U>. The Board of Directors of the Company has
received the opinion of Keefe, Bruyette&nbsp;&amp; Woods, Inc. that, as of the date hereof, and based upon and subject to the factors and assumptions set forth therein, the Merger Consideration to be paid to the holders of the Company Common Stock
in the Merger is fair, from a financial point of view, to such holders. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company
Information</U>. The information relating to the Company that is provided by the Company or its representatives for inclusion in the Proxy Statement and Form S-4, or in any application, notification or other document filed with any other Regulatory
Agency or other Governmental Entity in connection with the transactions contemplated by this Agreement, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of
the circumstances in which they are made, not misleading. The portions of the Form S-4 and the Proxy Statement relating to the Company and other portions within the reasonable control of the Company will comply in all material respects with the
provisions of the Securities Exchange Act of 1934, as amended (the &#147;<U>Exchange Act</U>&#148;), and the rules and regulations thereunder. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Legal Proceedings</U>.&nbsp;&nbsp;Except as set forth in Section&nbsp;3.15 of the Company
Disclosure Schedule, the Company is not a party to any legal, administrative, arbitration, investigatory or other proceeding (including, without limitation, any investigation, action, or proceeding with respect to Taxes) pending or, to the Knowledge
of the Company, is any of the foregoing proceedings threatened, or which the Company has reason to believe may be threatened, against or affecting the Company or any of its current or former directors or officers, or may involve a claim or claims
asserting a liability of $50,000 individually, or $100,000 or more in the aggregate, or may otherwise restrict the conduct of business by the Company. Section&nbsp;3.15 of the Company Disclosure Schedule, includes, with respect to each matter
identified, if applicable, the case title, the court, the court file number, the date filed, the law firm representing the Company and such other information as may be reasonably requested by Parent. Except as set forth on Section&nbsp;3.15 of the
Company Disclosure Schedule, there is no (i)&nbsp;outstanding judgment, order, writ, injunction or decree, stipulation or award of any Governmental Entity or by arbitration, against, or, to the Knowledge of the Company, affecting the Company or its
assets or business that (A)&nbsp;has had or may have a Material Adverse Effect, (B)&nbsp;requires any payment by, or excuses an obligation of a third party to make any payment to, the Company of an amount exceeding $50,000, or (C)&nbsp;has the
effect of prohibiting any business practice of, or the acquisition, retention or disposition of property by the Company or would apply to Parent or any of its Affiliates after the Merger, or (ii)&nbsp;legal, administrative, arbitration,
investigatory or other proceeding pending or, to the Knowledge of the Company that has been threatened, or which the Company has reason to believe may be threatened, against or affecting any director, officer, employee, agent or representative of
the Company, in connection with which any such Person has or may have rights to be indemnified by the Company. In addition thereto, the Company is not subject to any cease and desist or consent order or directive or a party to any written agreement
or memorandum of understanding with any Governmental Entity that restricts the conduct of its business, or in any manner relates to its business, capital adequacy, credit or compliance policies or its management. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">21 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Material Contracts</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as set forth in Section&nbsp;3.16 of the Company Disclosure Schedule, the Company
is not a party to, bound by or subject to any agreement, contract, arrangement, commitment or understanding (whether written or oral) (each, a &#147;<U>Material Contract</U>&#148;): (i)&nbsp;that is a &#147;material contract&#148; within the meaning
of Item&nbsp;601(b)(10) of the SEC&#146;s Regulation S-K; (ii)&nbsp;that contains a non-compete or client or customer non-solicit requirement or any other provisions that restricts the conduct of, or the manner of conducting, any line of business of
the Company or any of its Affiliates (or, upon consummation of the Merger, of Parent, Citizens Business Bank or any of their respective Affiliates); (iii)&nbsp;that obligates the Company or any of its Affiliates (or, upon consummation of the Merger,
of Parent, Citizens Business Bank or any of their respective Affiliates) to conduct business with any third party on an exclusive or preferential basis; (iv)&nbsp;that requires referrals of business or requires the Company or any of its Affiliates
to make available investment opportunities to any Person on a priority or exclusive basis; (v)&nbsp;that relates to the incurrence of indebtedness by the Company (other than deposit liabilities, trade payables, federal funds purchased, advances and
loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case incurred in the ordinary course of business consistent with past practice) including any sale and leaseback transactions, capitalized leases and
other similar financing transactions; (vi)&nbsp;that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties of the Company; (vii)&nbsp;that limits the payment of dividends by the
Company; (viii)&nbsp;that relates to a joint venture, partnership, limited liability company agreement or other similar agreement or arrangement with any third party, or to the formation, creation or operation, management or control of any
partnership or joint venture with any third parties, except in each case that relate to merchant banking investments by the Company in the ordinary course of business; (ix)&nbsp;that relates to an acquisition, divestiture, merger or similar
transaction and which contains representations, covenants, indemnities or other obligations (including indemnification, &#147;earn-out&#148; or other contingent obligations) that are still in effect; (x)&nbsp;that provides for payments to be made by
the Company or any of its successors upon or as a result of a change in control thereof (&#147;<U>Change of Control Payments</U>&#148;); (xi)&nbsp;that was not negotiated and entered into on an arm&#146;s-length basis; (xii)&nbsp;that provides for
the guarantee or indemnification by the Company of any Person, except for contracts entered into in the ordinary course of business providing for customary and immaterial indemnification; (xiii)&nbsp;that is a consulting agreement or data
processing, software programming or licensing contract involving the payment of more than $50,000 per annum (other than any such contracts which are terminable by the Company on 60 days or less notice without any required payment or other
conditions, other than the condition of notice); (xiv)&nbsp;that grants to a Person any right in Company Owned Intellectual Property or grants to the Company a license to Company Licensed Intellectual Property (excluding licenses to shrink-wrap or
click-wrap software), in each case that involves the payment or more than $50,000 per annum or is material to the conduct of the businesses of the Company; (xv)&nbsp;to which any Affiliate, officer, director, employee or consultant of such party or
any of its Subsidiaries is a party or beneficiary; (xvi)&nbsp;that would prevent, materially delay or materially impede the Company&#146;s ability to consummate the Merger or the other transactions contemplated hereby; (xvii)&nbsp;that contains a
put, call or similar right pursuant to which the Company could be required to purchase or sell, as applicable, any equity interests of any Person or assets; (xviii)&nbsp;that involves the payment, on a one-time basis or over the life of the term of
the agreement, of $50,000 or more or is more than one year of in </P>
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length and is not terminable by the Company without penalty; (xix)&nbsp;any other agreement of any other kind which involves future payments or receipts or performances of services or delivery of
items requiring payment of $50,000 or more to or by the Company or is not terminable without penalty, other than payments made under or pursuant to loan agreements, participation agreements and other agreements for the extension of credit, each in
the ordinary course of their business; or (xx)&nbsp;that is otherwise not entered into in the ordinary course of business or that is material to the Company or its financial condition or results of operations. The Company has Previously Disclosed
true, correct and complete copies of each Material Contract. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Each Material
Contract is a valid and legally binding agreement of the Company, and, to the Knowledge of the Company, the counterparty or counterparties thereto, is enforceable in accordance with its terms (subject to the Enforceability Exceptions) and is in full
force and effect, (ii)&nbsp;the Company has duly performed all obligations required to be performed by it prior to the date hereof under each Material Contract, (iii)&nbsp;to the Knowledge of the Company, the Company, any counterparty or
counterparties, is not in breach of any provision of any Material Contract, and (iv)&nbsp;no event or condition exists that constitutes, after notice or lapse of time or both, will constitute, a breach, violation or default on the part of the
Company under any such Material Contract or provide any party thereto with the right to terminate such Material Contract. Section&nbsp;3.16(b) of the Company Disclosure Schedule sets forth a true and complete list of (x)&nbsp;all Material Contracts
pursuant to which consents or waivers are or may be required and (y)&nbsp;all notices which are required to be given, in each case, prior to the performance by the Company of this Agreement and the consummation of the Merger and the other
transactions contemplated hereby. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental Matters</U>. (a)&nbsp;The Company is in
material compliance, and has at all times in the past complied, in all material respects with any federal, state or local Law, regulation, order, decree, permit, authorization, common Law or agency requirement relating to: (i)&nbsp;the protection or
restoration of the environment, health and safety as it relates to hazardous substance handling or exposure or the protection of natural resources; (ii)&nbsp;the handling, use, presence, disposal, release or threatened release of, or exposure to,
any hazardous substance; or (iii)&nbsp;noise, odor, wetlands, indoor air, pollution, contamination or any injury to Persons or property from exposure to any Hazardous Substance (collectively, &#147;<U>Environmental Laws</U>&#148;); (b)&nbsp;there
are no proceedings, claims, actions, or, to the Knowledge of the Company, investigations of any kind, pending, or threatened, by any Person, court, agency, or other Governmental Entity or any arbitral body, against the Company relating to liability
under any Environmental Law and, to the Knowledge of the Company, there is no reasonable basis for any such proceeding, claim, action or investigation; (c)&nbsp;there are no agreements, orders, judgments or decrees by or with any court, regulatory
agency or other Governmental Entity, or any agreements, indemnities or settlements with any Person that impose any liabilities or obligations under, relating to or in respect of any Environmental Law; (d)&nbsp;to the Company&#146;s Knowledge, there
are, and have been, no releases of any hazardous substances, wastes or other environmental conditions at any property (currently or formerly owned, operated, or otherwise used by the Company) under circumstances which could reasonably be expected to
result in liability to or claims against the Company relating to any Environmental Law; and (e)&nbsp;there are no reasonably anticipated future events, conditions, circumstances, practices, plans or legal requirements (in each case of the Company)
that could reasonably be expected to give rise to obligations or liabilities under any Environmental Law. The Company has made available to Parent all asbestos surveys and reports, </P>
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mold surveys and reports, lead surveys and reports, reports on environmental exposure, underground tank removal reports and Phase I (with respect to the Company&#146;s branch and headquarters
property only) and Phase&nbsp;II environmental reports (environmental assessments) during the past five years with respect to any properties owned or leased by it. For purposes of this Agreement, &#147;Hazardous Substance&#148; shall include, but is
not limited to, (i)&nbsp;any petroleum or petroleum products, natural gas, or natural gas products, radioactive materials, asbestos, mold, urea formaldehyde foam insulation, transformers or other equipment that contains dielectric fluid containing
levels of polychlorinated biphenyls (PCBs), and radon gas; (ii)&nbsp;any chemicals, materials, waste or substances defined as or included in the definition of &#147;hazardous substances,&#148; &#147;hazardous wastes,&#148; &#147;hazardous
materials,&#148; &#147;extremely hazardous wastes,&#148; &#147;restricted hazardous wastes,&#148; &#147;toxic substances,&#148; &#147;toxic pollutants,&#148; &#147;contaminants,&#148; or &#147;pollutants,&#148; or words of similar import, under any
Environmental Laws; and (iii)&nbsp;any other chemical, material, waste or substance which is in any way regulated as hazardous or toxic by any federal, state or local government authority, agency or instrumentality, including mixtures thereof with
other materials, and including any regulated building materials, such as asbestos and lead. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Taxes</U>. The Company (i)&nbsp;has prepared in good faith and duly and timely filed (taking into
account any extension of time within which to file) all Tax Returns (as defined below) required to be filed by any of them and all such filed Tax Returns are complete and accurate; and (ii)&nbsp;have paid all Taxes (as defined below) that are
required to be paid or that the Company is obligated to withhold from amounts owing to any employee, creditor or third party, except with respect to matters contested in good faith and for which adequate reserves have been established and reflected
on the financial statements of the Company. None of the Tax Returns or matters are currently under any audit, suit, proceeding, examination or assessment by the U.S. Internal Revenue Service (&#147;<U>IRS</U>&#148;) or the relevant state, local or
foreign Tax authority and the Company has not received written notice from any Tax authority that an audit, suit, proceeding, examination or assessment in respect of such Tax Returns or matters pertaining to Taxes are pending or threatened. No
deficiencies have been asserted or assessments made against the Company that have not been paid or resolved in full. Since December&nbsp;31, 2011, no claim has been made against the Company by any Tax authorities in a jurisdiction where the Company
does not file Tax Returns that the Company is or may be subject to taxation by that jurisdiction. The Company is not, and during the past five years has never been, a &#147;United States real property holding corporation&#148; within the meaning of
Section&nbsp;897 of the Code. No liens for Taxes exist with respect to any of the assets of the Company, except for liens for Taxes not yet due and payable or that are under good faith contest as disclosed on Section&nbsp;3.18 of the Company
Disclosure Schedule. The Company has not entered into any closing agreements, private letter rulings, technical advice memoranda or similar agreement or rulings with any Tax authority, nor have any been issued by any Tax authority, in each case that
have any continuing effect after the Closing Date. The Company (A)&nbsp;has not been a member of an affiliated, combined, consolidated or unitary Tax group for purposes of filing any Tax Return, other than, for purposes of filing, affiliated,
combined, consolidated or unitary Tax Returns, a group of which the Company was the common Parent, (B)&nbsp;has no liability for Taxes of any Person under Treasury Regulations Section&nbsp;1.1502-6 (or any similar provision of state, local or
foreign law) other than Taxes of members of the consolidated group of which the Company is the common Parent, (C)&nbsp;is a party to or bound by any Tax sharing or allocation agreement or has any other current or potential material contractual
obligation to indemnify any other Person with respect to Taxes other than </P>
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Taxes of members of the consolidated group of which the Company is the common Parent, (D)&nbsp;has, or has ever had, a permanent establishment in any country other than the country of its
organization, or (E)&nbsp;has granted to any Person any power of attorney that is currently in force with respect to any Tax matter. The Company not has agreed to nor is it required to make any adjustments after the Closing Date pursuant to
Section&nbsp;481(a) of the Code or any similar provisions of state, local or foreign Law by reason of a change in accounting method. To the Knowledge of the Company, no taxing authority has proposed any such adjustment, nor is any application
pending with any taxing authority requesting permission for any changes in accounting methods that relate to its business or operations. The Company has not participated in any &#147;listed transactions&#148; within the meaning of Treasury
Regulations Section&nbsp;1.6011-4(b). The Company has made available to Parent true and correct copies of the United States federal income Tax Returns filed by the Company for each of the fiscal years ended December&nbsp;31, 2010, 2011, 2012, 2013
and 2014. The Company has not been a &#147;distributing corporation&#148; or &#147;controlled corporation&#148; (i)&nbsp;in any distribution occurring during the last 30 months that was purported or intended to be governed by Section&nbsp;355 of the
Code (or any similar provision of state, local or foreign Law) or (ii)&nbsp;in any distribution that could otherwise constitute part of a &#147;plan&#148; or &#147;series of related transactions&#148; (within the meaning of Section&nbsp;355(e) of
the Code) of which the Mergers are a part. As used in this Agreement, (i)&nbsp;the term &#147;<U>Tax</U>&#148; (including, with correlative meaning, the term &#147;<U>Taxes</U>&#148;) includes all United States federal, state, local and foreign
income, profits, franchise, gross receipts, environmental, customs duty, capital stock, severances, stamp, payroll, sales, employment, unemployment, disability, use, property, withholding, excise, production, value added, occupancy and other taxes,
duties or assessments of any nature whatsoever, together with all interest, penalties and additions imposed with respect to such amounts and any interest in respect of such penalties and additions, and (ii)&nbsp;the term &#147;<U>Tax
Return</U>&#148; includes all returns and reports (including elections, declarations, disclosures, schedules, estimates and information returns) required to be supplied to a Tax authority relating to Taxes. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reorganization</U>. The Company has not taken or agreed to take any action, and is not aware of any
fact or circumstance, that would prevent or impede, or could reasonably be expected to prevent or impede, the Merger from qualifying as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.20&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Intellectual Property</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company (A)&nbsp;solely owns (beneficially, and of record where applicable), free and
clear of all Liens, other than Permitted Encumbrances and non-exclusive licenses entered into in the ordinary course of business, all right, title and interest in and to its respective Company Owned Intellectual Property, and (B)&nbsp;to the
Knowledge of the Company, has valid and sufficient rights and licenses to all of the Company Licensed Intellectual Property. The Company Owned Intellectual Property is subsisting and, to the Knowledge of the Company, valid and enforceable. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To the Knowledge of the Company, the operation of the Company business as presently
conducted does not infringe, dilute, misappropriate or otherwise violate the Intellectual Property rights of any third Person, and no Person has asserted in writing that the Company has infringed, diluted, misappropriated or otherwise violated any
third Person&#146;s Intellectual Property rights. To the Knowledge of the Company, no third Person has infringed, </P>
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diluted, misappropriated or otherwise violated any of the Company&#146;s rights in the Company Owned Intellectual Property. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has taken reasonable measures to protect (A)&nbsp;its rights in its Company
Owned Intellectual Property and (B)&nbsp;the confidentiality of all Trade Secrets that are owned, used or held by the Company, and to the Knowledge of the Company, such Trade Secrets have not been used, disclosed to or discovered by any Person
except pursuant to appropriate non-disclosure agreements which have not been breached. To the Knowledge of the Company, no Person has gained unauthorized access to the Company&#146;s IT Assets since January&nbsp;1, 2012. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company&#146;s IT Assets operate and perform substantially as required by the Company
in connection with their respective businesses and have not materially malfunctioned or failed within the past two years. The Company has implemented reasonable backup, security and disaster recovery technology and procedures consistent with
industry practices. The Company is compliant with all applicable Laws, rules and regulations, and their own privacy policies and commitments to their respective customers, consumers and employees, concerning data protection and the privacy and
security of personal data and the nonpublic personal information of their respective customers, consumers and employees. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Agreement, </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Intellectual Property</U>&#148; means any and all: (i)&nbsp;trademarks, service
marks, brand names, collective marks, Internet domain names, logos, symbols, slogans, designs and other indicia of origin, together with all translations, adaptations, derivations and combinations thereof, all applications, registrations and
renewals for the foregoing, and all goodwill associated therewith and symbolized thereby; (ii)&nbsp;patents and patentable inventions (whether or not reduced to practice), all improvements thereto, and all invention disclosures and applications
therefor, together with all divisions, continuations, continuations-in-part, revisions, renewals, extensions, reexaminations and reissues in connection therewith; (iii)&nbsp;confidential proprietary business information, trade secrets and know-how,
including processes, schematics, business and other methods, technologies, techniques, protocols, formulae, drawings, prototypes, models, designs, unpatentable discoveries and inventions (&#147;<U>Trade Secrets</U>&#148;); (iv)&nbsp;copyrights in
published and unpublished works of authorship (including databases and other compilations of information), and all registrations and applications therefor, and all renewals, extensions, restorations and reversions thereof; and (v)&nbsp;other
intellectual property rights. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>IT Assets</U>&#148; means, with respect to any
Person, the computers, computer software, firmware, middleware, servers, workstations, routers, hubs, switches, data, data communications lines, and all other information technology equipment, and all associated documentation owned by such Person or
such Person&#146;s Subsidiaries. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Company Licensed Intellectual Property</U>&#148;
means the Intellectual Property owned by third Persons that is used in or necessary for the operation of the respective businesses of the Company as presently conducted. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:21%; font-size:12pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Company Owned Intellectual Property</U>&#148; means Intellectual Property owned or purported
to be owned by the Company. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Properties</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company (a)&nbsp;has good and insurable title to all the properties and assets owned
by the Company including, but not limited to, any automated teller machines (the &#147;<U>Company Owned Properties</U>&#148;), free and clear of all Liens of any nature whatsoever, except (i)&nbsp;statutory Liens securing payments not yet due,
(ii)&nbsp;Liens for real property Taxes not yet due and payable, (iii)&nbsp;easements, rights of way, and other similar encumbrances that do not adversely affect the value or affect the use of the properties or assets subject thereto or affected
thereby or otherwise impair business operations at such properties as bank facilities and (iv)&nbsp;such imperfections or irregularities of title or Liens as do not materially affect the use of the properties or assets subject thereto or affected
thereby or otherwise materially impair business operations at such properties (collectively, &#147;<U>Permitted Encumbrances</U>&#148;), and (b)&nbsp;is the lessee or subleassee of all leasehold leased or subleased by the Company (the
&#147;<U>Company Leased Properties</U>&#148; and, collectively with the Company Owned Properties, the &#147;<U>Company Real Property</U>&#148;), free and clear of all Liens of any nature whatsoever, except for Permitted Encumbrances, and is in
possession of the properties purported to be leased thereunder, and each such lease is valid without default thereunder by the lessee or subleassee or, to the Knowledge of the Company, the lessor. The Company does not own, and is not in the process
of foreclosing (whether by judicial process or by power of sale) or otherwise in the process of acquiring title to, except pursuant to foreclosures which are pending in the ordinary course of business consistent with past practice, any real property
or premises on the date hereof in whole or in part. Section&nbsp;3.21(a)-(a)&nbsp;of the Company Disclosure Schedule contains a complete and correct list of all Company Owned Properties. Section&nbsp;3.21(a)-(b)&nbsp;of the Company Disclosure
Schedule contains a complete and correct list of all Company Leased Properties and together with a list of all applicable leases or subleases and the name of the lessor or sublessor (each, a &#147;<U>Lease</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All buildings, structures, improvements and fixtures on the Company Real Property and the
equipment located thereon are in good operating condition and repair, ordinary wear and tear excepted, and conform to all applicable Laws. All tangible properties of the Company that are material to the business, financial condition, results of
operations of the Company are in a good state of maintenance and repair, except for ordinary wear and tear, and are adequate for the conduct of the business of the Company as presently conducted. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To the Knowledge of Company, the buildings, driveways and all other structures and
improvements upon the Company Owned Properties are all within the boundary lines of such property or have the benefit of valid easements and there are no encroachments thereon that would affect the use thereof. To the Knowledge of Company there are
no outstanding requirements or recommendations by any insurance company that has issued a policy covering the Company Owned Properties, or by any board of fire underwriters or other body exercising similar functions, requiring or recommending any
repairs or work to be done on any such property. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each of the leases for the Company
Leased Property is valid and existing and in full force and effect, and no party thereto is in default and no notice of a claim of default by any party has been delivered to the Company, or is now pending, and there does not exist any event that
with notice or the passing of time, or both, would constitute a default or excuse performance by any party thereto, <U>provided</U> that with respect to matters relating to any party </P>
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other than the Company, the foregoing representation is based on the Knowledge of the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As to the Company, none of the Company Real Property has been condemned or otherwise taken
by any Governmental Entity and, to the Knowledge of the Company, no condemnation or taking is threatened or contemplated and none thereof is subject to any claim, contract or Law which might adversely affect its use or value for the purposes now
made of it. To the Knowledge of the Company, none of the premises or properties of the Company is subject to any current interests of third parties or other restrictions or limitations that would impair or be inconsistent with the current use of
such property by the Company. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has delivered to Parent true, accurate and
complete copies of each of the following to the extent in the possession or control of the Company and in any way related to any of the Company Real Property: (i)&nbsp;title commitments together with legible copies of all underlying exceptions,
(ii)&nbsp;title policies, (iii)&nbsp;environmental reports, (iv)&nbsp;zoning reports and zoning letters, and (v)&nbsp;licenses and permits. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2014, the Company has not applied for or received permission to open
any additional branch or operate at any other location other than the Westlake Branch Office. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.22&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance</U>. Section&nbsp;3.22 of the Company Disclosure Schedule lists all insurance policies
and bonds maintained by the Company. Except as set forth on Section&nbsp;3.22 of the Company Disclosure Schedule, (i)&nbsp;the Company is, and at all times within five (5)&nbsp;years hereof each has been, insured with insurers and has insurance
coverage adequate to insure against all risks normally insured against by companies in similar businesses and of comparable size, (ii)&nbsp;the Company is not in default under any policy of insurance or bond such that it could be cancelled, and all
such insurance policies and bonds maintained by the Company are in full force and effect and, except for expirations in the ordinary course, will remain so through and after the Closing, and (iii)&nbsp;the Company has filed claims with, or given
notice of claims to, its insurers with respect to all material matters and occurrences for which it believes it has coverage. The Company has furnished Parent with true and correct copies of all insurance policies and bonds identified on
Section&nbsp;3.22 of the Company Disclosure Schedule, including all amendments and supplements thereto. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.23&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Accounting and Internal Controls</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The records, systems, controls, data and information of the Company and its Subsidiaries
are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or accountants (including
all means of access thereto and therefrom). The Company has devised and maintain internal control over financial reporting (within the meaning of Rules 13a-15(f) and 15d-15(f) under the Exchange Act). Such internal control over financial reporting
is effective in providing reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements in accordance with GAAP and includes policies and procedures that (i)&nbsp;pertain to the maintenance of
records that in reasonable detail accurately and fairly reflect the transactions and dispositions </P>
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of the assets of the Company, (ii)&nbsp;provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with GAAP, and that
receipts and expenditures of the Company are being made only in accordance with authorizations of management and directors of the Company, and (iii)&nbsp;provide reasonable assurance regarding prevention or timely detection of unauthorized
acquisition, use or disposition of the Company&#146;s assets that could have a material effect on its financial statements. The Company has Previously Disclosed, based on its most recent evaluation prior to the date hereof, to its auditors and the
audit committee of its Board of Directors: (A)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting and (B)&nbsp;any fraud, whether or not material, that involves
management or other employees who have a significant role in its internal controls over financial reporting. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2012, (A)&nbsp;neither the Company nor, to the Knowledge of the
Company, any director, officer, auditor, accountant or representative of it has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or written claim regarding the accounting or auditing practices,
procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs and accruals) of the Company or its internal accounting controls, including any material complaint, allegation, assertion or written claim
that the Company has engaged in questionable accounting or auditing practices, and (B)&nbsp;no attorney representing the Company, whether or not employed by it, has reported evidence of a material violation of securities Laws, breach of fiduciary
duty or similar violation by it or any of its officers or directors to its board of directors or any committee thereof or to any of its directors or officers. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.24&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Derivatives</U>.&nbsp;&nbsp;Except as set forth in Section&nbsp;3.24 of the Company Disclosure
Schedule, the Company is not a party to nor has agreed to enter into an exchange-traded or over-the-counter equity, interest rate, foreign exchange or other swap, forward, future, option, cap, floor or collar or any other contract that is not
included on the balance sheet and is a derivative contract (including various combinations thereof) or owns securities that are referred to generically as &#147;structured notes,&#148; &#147;high risk mortgage derivatives,&#148; &#147;capped
floating rate notes,&#148; or &#147;capped floating rate mortgage derivatives&#148; (each, a &#147;<U>Derivative Transaction</U>&#148;). All Derivative Transactions, whether entered into for the account of the Company or for the account of a
customer of the Company, were entered into in the ordinary course of business and in accordance with prudent banking practice and applicable Laws and other policies, practices, and procedures employed by the Company is and with counterparties
believed to be financially responsible at the time, and are legal, valid and binding obligations of the Company, enforceable against it in accordance with their terms (except as such enforcement may be limited by the Enforceability Exceptions. The
Company has duly performed in all material respects all of its obligations thereunder to the extent required, and, to its Knowledge, there are no breaches, violations or defaults or allegations or assertions of such by any party thereunder. The
financial position of the Company on a consolidated basis under or with respect to each such Derivative Transaction has been reflected in all material respects in the books and records of the Company in accordance with GAAP. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.25&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Loan Matters</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each loan, loan agreement, note or borrowing arrangement (including leases, credit
enhancements, commitments, guarantees and interest-bearing assets) in which the Company is a creditor (collectively, &#147;<U>Loans</U>&#148;) currently outstanding (i)&nbsp;is evidenced by notes, agreements or other evidences of indebtedness that
are true, genuine and what they purport to be, (ii)&nbsp;to the extent secured, has been secured by valid Liens which have been perfected and (iii)&nbsp;to the Knowledge of the Company, is a legal, valid and binding obligation of the obligor named
therein, enforceable in accordance with its terms (subject to the Enforceability Exceptions). The notes or other credit or security documents with respect to each such outstanding Loan were in compliance with all applicable Laws at the time of
origination or purchase by the Company. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each outstanding Loan was solicited and
originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files are being maintained in accordance with the relevant notes or other credit or security documents and the Company&#146;s written underwriting
standards, in each case with all applicable requirements of applicable Law and government programs. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None of the agreements pursuant to which the Company has sold or is servicing
(i)&nbsp;Loans or pools of Loans or (ii)&nbsp;participations in Loans or pools of Loans contains any obligation to repurchase such Loans or interests therein or to pursue any other form of recourse against the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has Previously Disclosed to Parent all claims for repurchases by the Company
of Loans that were sold to third parties by the Company that are outstanding or threatened (in writing), in each case, as of the date hereof or the Closing Date. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;3.25(e) of the Company Disclosure Schedule sets forth a list of (i)&nbsp;each
Loan that as of September&nbsp;30, 2015 and as of the last Business Day of the last calendar month prior to the Closing Date (A)&nbsp;was contractually past due 90 days or more in the payment of principal and/or interest, (B)&nbsp;was on non-accrual
status, (C)&nbsp;was classified as &#147;substandard,&#148; &#147;doubtful,&#148; &#147;loss,&#148; &#147;classified,&#148; &#147;criticized,&#148; &#147;credit risk assets,&#148; &#147;concerned loans,&#148; &#147;watch list,&#148;
&#147;impaired&#148; or &#147;special mention&#148; (or words of similar import) by the Company, or any Governmental Entity (D)&nbsp;a specific reserve allocation existed in connection therewith or (E)&nbsp;was required to be accounted for as a
troubled debt restructuring in accordance with ASC 310-40, (ii)&nbsp;each Loan that as of September&nbsp;30, 2015 and as of the last Business Day of the last calendar month prior to the Closing Date had an outstanding balance and/or unfunded
commitment of $100,000 or more and that as of such date as to which (A)&nbsp;a reasonable doubt exists as to the timely future collectability of principal and/or interest, whether or not interest is still accruing or the Loans are less than 90 days
past due or (B)&nbsp;the interest rate terms have been reduced and/or the maturity dates have been extended subsequent to the agreement under which the Loan was originally created due to concerns regarding the borrower&#146;s ability to pay in
accordance with such initial terms, and (iii)&nbsp;each asset of the Company that as of September&nbsp;30, 2015 and as of the last Business Day of the last calendar month prior to the Closing Date was classified as &#147;other real estate
owned,&#148; &#147;other repossessed assets&#148; or as an asset to satisfy Loans, and the book value thereof as of such date. For each loan identified in accordance with the immediately preceding sentence, Section&nbsp;3.25(e) of the Company
Disclosure Schedule sets forth the </P>
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outstanding balance, including accrued and unpaid interest, on each such Loan and the identity of the borrower thereunder as of September&nbsp;30, 2015 and as of the last Business Day of the last
calendar month prior to the Closing Date. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;3.25(f) of the Company
Disclosure Schedule sets forth a list of all Loans as of the date of this Agreement by the Company to any directors, officers and principal shareholders (as such terms are defined in Regulation O of the Board of Governors of the Federal Reserve
System (the &#147;<U>Federal Reserve</U>&#148;) (12 C.F.R. Part 215)) of the Company. There are no employee, officer, director or other Affiliate Loans on which the borrower is paying a rate other than that reflected in the note or other relevant
credit or security agreement or on which the borrower is paying a rate which was not in compliance with Regulation O, and all such Loans are and were originated in compliance with all applicable Laws. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is not now nor has it ever been since January&nbsp;1, 2012 subject to any
fine, suspension, settlement or other contract or other administrative agreement or sanction by, or any reduction in any loan purchase commitment from, any Governmental Entity or agency relating to the origination, sale or servicing of mortgage or
consumer Loans or Loans guaranteed by any governmental agency. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1,
2012, the Company has complied with, and all documentation in connection with the origination, processing, underwriting and credit approval of any mortgage loan originated by the Company satisfied: (1)&nbsp;all applicable Laws with respect to the
origination, insuring, purchase, sale, pooling, servicing, subservicing, loan modification, loss mitigation or filing of claims in connection with such mortgage loans, including, to the extent applicable, all Laws relating to real estate settlement
procedures, consumer credit protection, truth in lending Laws, usury limitations, fair housing, transfers of servicing, collection practices, equal credit opportunity and adjustable rate mortgages, in each case applicable as of the time of such
origination, processing, underwriting or credit approval; (2)&nbsp;the responsibilities and obligations relating to such mortgage loans set forth in any Contract between the Company and any Agency, loan investor or insurer; (3)&nbsp;the applicable
rules, regulations, guidelines, procedures, handbooks and other requirements of any Agency, loan investor or insurer, in each case applicable as of the time of such origination, processing, underwriting or credit approval; and (4)&nbsp;the terms and
provisions of any mortgage or other collateral documents and other loan documents with respect to each such mortgage loan; in each case applicable as of the time of such origination, processing, underwriting or credit approval. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2012, no loan investor representing greater than 10% of the
purchased volume for any calendar year has indicated in writing to the Company that it has terminated or intends to terminate its relationship with the Company for poor performance, poor loan quality or concern with respect to the Company&#146;s
compliance with Laws. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2012, the Company has not engaged in,
and, to the Knowledge of the Company, no third-party vendors (including outside law firms and other third-party foreclosure services providers) used by the Company has engaged in, directly or indirectly, (1)&nbsp;any foreclosures in violation of any
applicable Law, including but not limited to the Servicemembers Civil Relief Act, or in breach of any binding Regulatory Agreement or (2)&nbsp;the </P>
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conduct referred to as &#147;robo-signing&#148; or any other similar conduct of approving or notarizing documents relating to mortgage loans that do not comply with any applicable Law. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2012, the Company has not foreclosed upon, managed or taken a deed
or title to, any real estate (other than single-family residential properties) without complying with all applicable FDIC environmental due diligence standards (including FDIC Bulletin FIL-14-93, and update FIL-98-2006) or foreclosed upon, managed
or taken a deed or title to, any such real estate if the environmental assessment indicates the liabilities under Environmental Laws are likely in excess of the asset&#146;s value. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.26&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Community Reinvestment Act Compliance</U>. The Company is in material compliance with the
applicable provisions of the Community Reinvestment Act of 1977 (&#147;<U>CRA</U>&#148;) and the regulations promulgated thereunder and has received a CRA rating of &#147;satisfactory&#148; or higher in its most recently completed exam, and the
Company has no Knowledge that its compliance under the CRA should constitute grounds for either the denial by any Governmental Entity of any application to consummate the transactions contemplated by this Agreement or the imposition of a materially
burdensome condition in connection with the approval of any such application, or the existence of any fact or circumstance or set of facts or circumstances which would reasonably be expected to result in the Company having its current rating
lowered. The Company has not received a written notice from any third-party group representing community interests raising concerns or objections with respect to its policies or practices in its relations or practices with customers, vendors or
clients. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.27&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Bank Secrecy Act Compliance</U>.&nbsp;&nbsp;The Company has not been advised of
any supervisory concerns regarding its compliance with the Bank Secrecy Act (31 U.S.C. &#167;5322, et seq.) or related state or federal anti-money laundering Laws, including (i)&nbsp;those provisions of the United States Code providing penalties for
the laundering of monetary instruments (18 U.S.C. &#167;1956) or engaging in monetary transactions in property derived from specified unlawful activity (18 U.S.C. &#167;1957) and (ii)&nbsp;any &#147;Know Your Customer&#148; regulations, guidelines
or supervisory policies and examination requirements. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.28&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Investment
Securities</U>.&nbsp;&nbsp;&nbsp;&nbsp;Except as set forth on Section&nbsp;3.28 of the Company Disclosure Schedule, the Company has (a)&nbsp;held any Investment Securities on June&nbsp;30, 2015, (b)&nbsp;has or acquired, sold or disposed of any
Investment Security since June&nbsp;30, 2015, or (c)&nbsp;has held any Investment Security until maturity since June&nbsp;30, 2015. For purposes of this Agreement, &#147;<U>Investment Security</U>&#148; means any equity security or debt security as
defined in Accounting Standards Codification Topic 320. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.29&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Related Party Transactions</U>.
Except for Loans set forth in Section&nbsp;3.25(f) of the Company Disclosure Schedule, for ordinary course bank deposit, trust and asset management services on arms&#146; length terms, and &#147;compensation&#148; as defined in Item&nbsp;402 of the
SEC&#146;s Regulation S-K, there are no transactions or series of related transactions, agreements, arrangements or understandings, nor are there any currently proposed transactions or series of related transactions, between the Company, on the one
hand, and any current or former director or &#147;executive officer&#148; (as defined in Rule 3b-7 under the Exchange Act) of the Company or any Person who beneficially owns (as defined in Rules 13d-3 and 13d-5 of the Exchange Act) 5% or
</P>
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more of the Company Common Stock (or any of such Person&#146;s immediate family members or Affiliates) on the other hand. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.30&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Operating Losses</U>. Section&nbsp;3.30 of the Company Disclosure Schedule sets forth any
Operating Loss (as defined below) that has occurred at the Company during the period after December&nbsp;31, 2014, to the date of this Agreement. Except as set forth on Section&nbsp;3.30 of the Company Disclosure Schedule, to its Knowledge, no event
has occurred, and no action has been taken or omitted to be taken by any employee of the Company that has resulted in the incurrence by the Company of an Operating Loss or that might reasonably be expected to result in the incurrence by the Company
or any of its Subsidiaries of an Operating Loss after the date hereof, which, net of any insurance proceeds payable in respect thereof, exceeds, or would exceed $25,000 individually or when aggregated with all other Operating Losses, $50,000 during
such period. For purposes of this Agreement, &#147;Operating Loss&#148; means any individual loss resulting from cash shortages, lost or misposted items, disputed clerical and accounting errors, forged checks, payment of checks over stop payment
orders, counterfeit money, wire transfers made in error, theft, robberies, defalcations, check kiting, fraudulent use of credit cards or electronic teller machines, civil money penalties, fines, litigation, claims, arbitration awards or other
similar acts or occurrences </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.31&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee and Labor Matters.</U> </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;3.31(a) of the Company Disclosure Schedule contains a complete and correct
list, as of the date of this Agreement, of the name of each employee, job description, job location, title, current annual base salary, other compensation and wage and hour exemption status of the Company and a summary of all Contracts or
commitments by Company to increase the compensation or to modify the conditions or terms of employment including all agreements regarding Change of Control Payments. All persons who have been treated as independent contractors by Company for tax
purposes have met the criteria to be so treated under applicable Law. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is
not, nor at any time since January&nbsp;1, 2012 was it, a party to or bound by any labor or collective bargaining agreement and, to the Knowledge of the Company, there are no organizational campaigns, petitions or other activities or proceedings of
any labor union, workers&#146; council or labor organization seeking recognition of a collective bargaining unit with respect to, or otherwise attempting to represent, any of the employees of the Company or compel the Company to bargain with any
such labor union, workers&#146; council or labor organization. There are no labor related controversies, strikes, slowdowns, walkouts or other work stoppages pending or, to the Knowledge of the Company, threatened (in writing) and the Company has
not experienced any such labor related controversy, strike, slowdown, walkout or other work stoppage since January&nbsp;1, 2012. The Company is not a party to, or otherwise bound by, any consent decree with, or citation by, any Governmental Entity
relating to employees or employment practices. To the Knowledge of Company, the Company is in material compliance with all applicable Laws relating to labor, employment, termination of employment or similar matters, including but not limited to Laws
relating to discrimination, disability, classification of workers, labor relations, hours of work, payment of wages and overtime wages, pay equity, immigration, workers compensation, working conditions, employee scheduling, occupational safety and
health, family and medical leave, and employee </P>
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terminations, and has not engaged in any unfair labor practices or similar prohibited practices. Except as set forth in Section&nbsp;3.31(b) of the Company Disclosure Schedule, there are no
complaints, lawsuits, arbitrations, administrative proceedings, or other proceedings of any nature pending or, to the Knowledge of the Company, threatened against the Company brought by or on behalf of any applicant for employment, any current or
former employee, any Person alleging to be a current or former employee, any class of the foregoing, or any Governmental Entity, relating to any such Law, or alleging breach of any express or implied contract of employment, wrongful termination of
employment, or alleging any other discriminatory, wrongful or tortious conduct in connection with the employment relationship. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No executive or group of employees has informed the Company of his, her or their intent to
terminate employment. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No Person has claimed, or to the Company&#146;s Knowledge has
valid reason to claim, that any employee or former employee of the Company (i)&nbsp;is in violation of any material term of any employment agreement, confidentiality agreement, non-competition agreement or any restrictive covenant with such Person;
(ii)&nbsp;has improperly disclosed or utilized any trade secret, confidential or proprietary information or documentation belonging to such Person in connection with their employment; or (iii)&nbsp;has interfered in the employment relationship with
such Person and any of its present or former employees in violation of any Law or enforceable agreement between such Person and the applicable employee. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has made available to Parent prior to the date of this Agreement a copy of all
material written policies and procedures related to the employees of the Company and a written description of all material unwritten policies and procedures related to the employees of the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All employees of the Company are authorized to work in the United States of America and a
Form I-9 has been properly completed and retained with regard to each such employee. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.32&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Trust Matters</U>.&nbsp;&nbsp;The Company exercises no trust powers, including, but not
limited to, trust administration, and neither it nor any predecessor has exercised such trust powers for a period from and after January&nbsp;1, 2012. The term &#147;trusts&#148; as used in this Section&nbsp;3.32 includes (i)&nbsp;any and all
common-law or other trusts between an individual, corporation or other entities and the Company or a predecessor, as trustee or co-trustee, including, without limitation, pension or other qualified or nonqualified employee benefit plans,
compensation, testamentary, inter vivos, and charitable trust indentures; (ii)&nbsp;any and all decedents&#146; estates where the Company, or a predecessor is serving or has served as a co-executor or sole executor, personal representative or
administrator, administrator de bonis non, administrator de bonis non with will annexed, or in any similar fiduciary capacity; (iii)&nbsp;any and all guardianships, conservatorships or similar positions where the Company, or a predecessor is serving
or has served as a co-grantor or a sole grantor or a conservator or co-conservator of the estate, or in any similar fiduciary capacity; and (iv)&nbsp;any and all agency and/or custodial accounts and/or similar arrangements, including plan
administrator for employee benefit accounts, under which the Company, or a predecessor is serving or has served as an agent or custodian for the owner or other party establishing the account with or without investment authority. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">34 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.33&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Information Technology; Security&nbsp;&amp;
Privacy</U>.&nbsp;&nbsp;All information technology and computer systems and services (including software, information technology and telecommunication hardware and other equipment) relating to the transmission, storage, maintenance, organization,
presentation, generation, processing or analysis of data and information, whether or not in electronic format, used in or necessary to the conduct of the Company&#146;s business (collectively, &#147;<U>Company IT Systems</U>&#148;) have been
properly maintained by technically competent personnel, in accordance with standards set by the manufacturers or otherwise in accordance with standards prudent in the industry (including strong passwords), to ensure proper operation, monitoring and
use. The Company IT Systems are in material compliance with regulatory standards and guidelines as required by applicable Law. The Company has commercially reasonable disaster recovery plans, procedures and facilities for its business and has taken
commercially reasonable steps to safeguard Company IT Systems. Company IT Systems are in good working condition to effectively perform all information technology operations necessary to conduct consolidated business. The Company has not experienced
since January&nbsp;1, 2012 any material disruption to, or material interruption in, its conduct of its business attributable to a defect, bug, breakdown, cyber or security breach or other failure or deficiency of the Company IT Systems. The Company
has taken reasonable measures to provide for the backup and recovery of the data and information necessary to the conduct of their businesses (including such data and information that is stored on magnetic or optical media in the ordinary course)
without material disruption to, or material interruption in, the conduct of their respective businesses. The Company, is not in breach of any material contract related to any Company IT Systems. To the Knowledge of the Company, has at all times
complied in all material respects with all applicable legal requirements (including but not limited to all regulatory standards and guidelines) relating to privacy, data protection and the collection and use of personal information gathered or
accessed in the course of the operations of the Company. The Company has at all times complied in all material respects with all rules, policies and procedures established by the Company from time to time with respect to the foregoing. No claims are
pending and, to its Knowledge, no claims have been asserted or threatened against the Company or are likely to be asserted or threatened against the Company by any Person alleging a violation of such Person&#146;s privacy, personal or
confidentiality rights under any such Laws, policies or procedures. The consummation of the Merger and the other transactions contemplated hereby will not breach or otherwise cause any violation of any such Laws, policies or procedures. With respect
to all personal information described herein, the Company has taken all steps reasonably necessary (including implementing and monitoring compliance with measures with respect to technical and physical security) to protect the information in a
manner consistent with the Laws, policies or procedures referred to herein. To the Knowledge of the Company, there has been no unauthorized access to or other misuse of that information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">3.34&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Accuracy and Completeness of Information Furnished</U>.&nbsp;&nbsp;The representations and
warranties made by Company hereby or any other document delivered pursuant to the terms of this Agreement contain no statements of material fact which are untrue or misleading, or omit to state any material fact which is necessary under the
circumstances to prevent the statements contained herein or therein from being misleading. The Company represents and warrants to Parent that the statements contained in this Article&nbsp;III are true, correct and complete as of the Agreement Date,
subject to and as qualified by the Company Disclosure Schedule, and shall be true, correct and complete as of the Effective Time as though made as of the Effective Time, </P>
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except as set forth in the Company Disclosure Schedules (except as to any representation or warranty which relates to a specified date, which only need be so correct as of such specified date).
The Company Disclosure Schedule and the contents thereof including, without limitation, all documents delivered or provided in connection therewith, shall be confidential in accordance with Section&nbsp;6.3(c) of this Agreement. The Company has made
a good faith effort to ensure that the disclosure on each schedule of the Company Disclosure Schedule corresponds to the section referenced herein. However, for purposes of the Company Disclosure Schedule, any item disclosed on any schedule therein
is deemed to be similarly disclosed with respect to all schedules under which such item may be relevant as and to the extent that it is reasonably clear on the face of such schedule that such item applies to such other schedule. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>REPRESENTATIONS AND WARRANTIES OF PARENT </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">Except as Previously Disclosed, Parent hereby represents and warrants to the Company as follows: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate Organization</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent is a corporation duly incorporated, validly existing and in good standing under the
Laws of the State of California. Citizens Business Bank is a commercial bank duly formed and validly existing under the Laws of the State of California. Each of Parent and Citizens Business Bank has the requisite corporate power and authority to own
or lease all of its properties and assets and to carry on its business as it is now being conducted, and except as would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect on Parent, is duly licensed or
qualified to do business in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing or qualification necessary. Parent is duly
registered as a bank holding company under the BHC Act. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;True, complete and correct
copies of the articles of incorporation of Parent (the &#147;<U>Parent Articles</U>&#148;) and bylaws of Parent (the &#147;<U>Parent Bylaws</U>&#148;), as in effect as of the date of this Agreement, have previously been publicly filed by Parent and
made available to the Company. The Parent Articles and Parent Bylaws made available to the Company are in full force and effect. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Citizens Business Bank (i)&nbsp;is duly incorporated validly existing and in good standing
under the Laws of its jurisdiction of organization and (ii)&nbsp;has the requisite corporate (or similar) power and authority to own or lease all of its properties and assets and to carry on its business as it is now being conducted and, except as
would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect on Parent, is duly licensed or qualified to do business in each jurisdiction in which the nature of the business conducted by it or the character
or location of the properties and assets owned or leased by it makes such licensing or qualification necessary. The deposit accounts of Citizens Business Bank are insured by the FDIC through the Deposit Insurance Fund to the fullest extent permitted
by Law, all premiums and assessments required to be paid in connection therewith have been paid </P>
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when due, and no proceedings for the termination of such insurance are pending or, to the Knowledge of Parent, threatened. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Capitalization</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The authorized capital stock of Parent consists of (i)&nbsp;225,000,000 shares of common
stock, no par value per share (the &#147;<U>Parent Common Stock</U>&#148;), of which, as of June&nbsp;30, 2015 (the &#147;<U>Parent Capitalization Date</U>&#148;), 106,337,106 were issued and outstanding, and (ii)&nbsp;20,000,000 shares of preferred
stock, no par value per share (&#147;<U>Parent Preferred Stock</U>&#148;), none of which were outstanding as of the Parent Capitalization Date. As of the Parent Capitalization Date, 849,292 shares of Parent Common Stock were authorized for issuance
upon exercise of options issued pursuant to employee and director stock plans of Parent or a Subsidiary of Parent in effect as of the date of this Agreement (the &#147;<U>Parent Stock Plans</U>&#148;). All of the issued and outstanding shares of
Parent Common Stock have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof. As of the date of this Agreement, no Voting Debt of
Parent is issued or outstanding. Except pursuant to this Agreement and the options described in this Section&nbsp;4.2, Parent does not have and is not bound by any outstanding subscriptions, options, warrants, calls, rights, commitments or
agreements of any character calling for the purchase or issuance of any shares of Parent Common Stock, Parent Preferred Stock, Voting Debt of Parent or any other equity securities of Parent or any securities representing the right to purchase or
otherwise receive any shares of Parent Common Stock, Parent Preferred Stock, Voting Debt of Parent or other equity securities of Parent. There are no contractual obligations of Parent or any of its Subsidiaries (i)&nbsp;to repurchase, redeem or
otherwise acquire any shares of capital stock of Parent or any equity security of Parent or its Subsidiaries or any securities representing the right to purchase or otherwise receive any shares of capital stock or any other equity security of Parent
or its Subsidiaries or (ii)&nbsp;pursuant to which Parent or any of its Subsidiaries is or could be required to register shares of Parent capital stock or other securities under the Securities Act. There are no voting trusts or other agreements or
understandings to which Parent, any Subsidiary of Parent or, to the Knowledge of Parent, any of their respective officers or directors, is a party with respect to the voting of any Parent Common Stock, Parent Preferred Stock, Voting Debt or other
equity securities of Parent. The shares of Parent Common Stock to be issued pursuant to the Merger will be duly authorized and validly issued and, at the Effective Time, all such shares will be fully paid, nonassessable and free of preemptive
rights, with no personal liability attaching to the ownership thereof. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All of the
issued and outstanding shares of capital stock or other equity ownership interests of Citizens Business Bank are owned by Parent, directly or indirectly, free and clear of any material Liens, and all of such shares or equity ownership interests are
duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights. Citizens Business Bank does not have or is not bound by any outstanding subscriptions, options, warrants, calls, commitments or agreements of any
character calling for the purchase or issuance of any shares of capital stock or any other equity security of Citizens Business Bank or any securities representing the right to purchase or otherwise receive any shares of capital stock or any other
equity security of Citizens Business Bank. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To the Knowledge of Parent, no Person or
&#147;group&#148; (as that term is used in Section&nbsp;13(d)(3)&nbsp;of the Exchange Act), is the beneficial owner (as defined in Section&nbsp;13(d)&nbsp;of the Exchange Act) of 5% or more of the outstanding shares of Parent Common Stock, except as
set forth in the filings made with the SEC. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authority; No Violation</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent and Citizens Business Bank each has full corporate power and authority to execute
and deliver this Agreement and to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the Merger or the other transactions contemplated hereby have been duly, validly and unanimously
approved and this Agreement duly adopted by the Board of Directors of each of Parent and Citizens Business Bank, and the Board of Directors of each of Parent and Citizens Business Bank each has determined that the Merger, on the terms and conditions
set forth in this Agreement, is advisable and in the best interests of Parent and Citizens Business Bank and their respective shareholders or shareholder, as applicable. This Agreement has been duly and validly executed and delivered by Parent and
Citizens Business Bank and (assuming due authorization, execution and delivery by the Company) constitutes the valid and binding obligation of each of Parent and Citizens Business Bank enforceable against Parent and Citizens Business Bank in
accordance with its terms (subject to the Enforceability Exceptions). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither the
execution and delivery of this Agreement, nor the consummation by Parent or Citizens Business Bank, as applicable, of the Merger or the other transactions contemplated hereby, nor compliance with any of the terms or provisions of this Agreement,
will (i)&nbsp;violate any provision of the Parent Articles, Parent Bylaws or similar documents of Parent&#146;s Subsidiaries, or (ii)&nbsp;assuming that the consents, approvals and filings referred to in Section&nbsp;4.4 are duly obtained and/or
made, (A)&nbsp;violate any Law applicable to Parent, any of its Subsidiaries or any of their respective properties or assets or (B)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a
default (or an event that, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of
any Lien upon any of the respective properties or assets of Parent or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, franchise, permit, agreement,
bylaw or other instrument or obligation to which Parent or any of its Subsidiaries is a party or by which any of them or any of their respective properties or assets is bound except, with respect to clause (ii), for any such violation, conflict,
breach, default, termination, cancellation, acceleration or creation as would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect on Parent or Citizens Business Bank. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents and Approvals</U>. Except for (a)&nbsp;any applicable filing with the
Nasdaq Stock Market (&#147;<U>Nasdaq</U>&#148;), (b)&nbsp;the filing with the SEC of the Form S-4 and declaration of effectiveness of the Form S-4, (c)&nbsp;filings of applications and notices with the Commissioner and approval of or non-objection
to such applications, filings and notices, (d)&nbsp;the filing of a bank merger application with the FDIC pursuant to the Bank Merger Act of 1960, as amended, (e)&nbsp;the filing of the Agreement of Merger with the California Secretary and the
Commissioner, (f)&nbsp;the Company&#146;s filing of a notice concerning the Merger with FINRA, (g)&nbsp;such filings and approvals </P>
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as are required to be made or obtained under the securities or &#147;blue sky&#148; Laws of various states in connection with the issuance of the shares of Parent Common Stock pursuant to this
Agreement, and (h)&nbsp;such other consents, approvals, filings and registrations listed in Section&nbsp;3.4, no consents or approvals of or filings or registrations with any Governmental Entity are necessary in connection with the consummation by
Parent or Citizens Business Bank of the Merger and the other transactions contemplated by this Agreement. No consents or approvals of or filings or registrations with any Governmental Entity are necessary in connection with the execution and
delivery by Parent of this Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reports</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent and each of its Subsidiaries have timely filed all reports, registration
statements, proxy statements and other materials, together with any amendments required to be made with respect thereto, that they were required to file since January&nbsp;1, 2012 with the Regulatory Agencies and each other applicable Governmental
Entity, and all other reports and statements required to be filed by them since January&nbsp;1, 2012, including any report or statement required to be filed pursuant to the Laws, rules or regulations of the United States, any state, any foreign
entity, or any Regulatory Agency or other Governmental Entity, and have paid all fees and assessments due and payable in connection therewith, and there are no material violations or exceptions in any such material report or statement that are
unresolved as of the date hereof. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An accurate and complete copy of each final
registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished to the SEC by Parent pursuant to the Securities Act or the Exchange Act since January&nbsp;1, 2012 (the &#147;<U>Parent SEC
Reports</U>&#148;) is publicly available. No such Parent SEC Report, at the time filed, furnished or communicated (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates of the relevant
meetings, respectively), contained any untrue statement of a material fact or omitted to state any material fact required to be stated therein or necessary in order to make the statements made therein, in light of the circumstances in which they
were made, not misleading, except that information filed as of a later date (but before the date of this Agreement) shall be deemed to modify information as of an earlier date. As of their respective dates, all Parent SEC Reports complied as to form
in all material respects with the published rules and regulations of the SEC with respect thereto. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent is in compliance in all material respects with the applicable listing and corporate
governance rules and regulations of the Nasdaq. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial Statements</U>. The
financial statements of Parent and its Subsidiaries included (or incorporated by reference) in the Parent SEC Reports (including the related notes, where applicable) (i)&nbsp;have been prepared from, and are in accordance with, the books and records
of Parent and its Subsidiaries; (ii)&nbsp;fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders&#146; equity and consolidated financial position of Parent and its Subsidiaries for the
respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to recurring year-end audit adjustments normal in nature and amount); (iii)&nbsp;complied as to form, as of their respective dates
of filing with the SEC, in all material respects with applicable accounting requirements and with </P>
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the published rules and regulations of the SEC with respect thereto; and (iv)&nbsp;have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each
case, as indicated in such statements or in the notes thereto. The books and records of Parent and its Subsidiaries have been maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements and
reflect only actual transactions. As of the date hereof, KPMG LLP has not resigned (or informed Parent that indicated it intends to resign) or been dismissed as independent public accountants of Parent as a result of or in connection with any
disagreements with Parent on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Broker&#146;s Fees</U>. Neither Parent nor any of its Subsidiaries nor any of
their respective officers or directors have employed any broker, finder or financial advisor or incurred any liability for any broker&#146;s fees, commissions or finder&#146;s fees in connection with the Merger or any other transactions contemplated
by this Agreement, other than to Sandler O&#146;Neill&nbsp;&amp; Partners LP. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Changes</U>. Since June&nbsp;30, 2015, no event, change or development
or combination of changes or developments have occurred that has had or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Parent. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with Applicable Law</U>. Parent and each of its Subsidiaries hold, and
have at all times since January&nbsp;1, 2012 held, all licenses, franchises, permits and authorizations which are necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under
and pursuant to applicable Law (and have paid all fees and assessments due and payable in connection therewith) and, to the Knowledge of Parent, no suspension or cancellation of any such licenses, franchise, permit or authorization is threatened in
writing, except in each case where the failure to hold such license, franchise, permit or authorization, such fees or assessments or such suspensions or cancellations would not reasonably be expected to have, individually or in the aggregate, a
Material Adverse Effect on Parent. Parent and each of its Subsidiaries has complied with, and are not in default or violation of any, applicable Law relating to Parent or any of its Subsidiaries that would reasonably be expected to have, either
individually or in the aggregate, a Material Adverse Effect on Parent. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Approvals</U>. As
of the date of this Agreement, Parent knows of no reason why all regulatory approvals from any Governmental Entity required for the consummation of the transactions contemplated by this Agreement should not be obtained on a timely basis. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Parent Information</U>. The information relating to Parent and its Subsidiaries that is
provided by Parent or its representatives for inclusion in the Form S-4, or in any application, notification or other document filed with any other Regulatory Agency or other Governmental Entity in connection with the transactions contemplated by
this Agreement, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances in which they are made, not misleading. The portions of the Proxy
Statement relating to Parent and its Subsidiaries and other portions within the reasonable control of Parent and its Subsidiaries will comply in all material respects with the provisions of the Exchange Act and the rules and regulations thereunder.
The Form S-4 will </P>
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comply in all material respects with the provisions of the Securities Act and the rules and regulations thereunder. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Legal Proceedings</U>. Except as Previously Disclosed, there is no suit, action,
investigation, claim, proceeding or review pending, or to the Knowledge of Parent, threatened against or affecting it or any of its Subsidiaries or any of the current or former directors or executive officers of it or any of its Subsidiaries and
there are no facts or circumstances that would reasonably be expected to result in any claims against Parent or any of its Subsidiaries that would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on
Parent. There is no outstanding injunction, order, writ, award, judgment, settlement, arbitration ruling, decree or regulatory restriction imposed upon or entered into by Parent, any of its Subsidiaries or the assets of it or any of its Subsidiaries
that would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Parent. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Accounting and Internal Controls</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The records, systems, controls, data and information of Parent and its Subsidiaries are
recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of Parent or its Subsidiaries or accountants
(including all means of access thereto and therefrom). Parent and its Subsidiaries have devised and maintain internal control over financial reporting (within the meaning of Rules 13a-15(f) and 15d-15(f) under the Exchange Act). Such internal
control over financial reporting is effective in providing reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements in accordance with GAAP and includes policies and procedures that
(i)&nbsp;pertain to the maintenance of records that in reasonable detail accurately and fairly reflect the transactions and dispositions of the assets of Parent, (ii)&nbsp;provide reasonable assurance that transactions are recorded as necessary to
permit preparation of financial statements in accordance with GAAP, and that receipts and expenditures of Parent are being made only in accordance with authorizations of management and directors of Parent, and (iii)&nbsp;provide reasonable assurance
regarding prevention or timely detection of unauthorized acquisition, use or disposition of Parent&#146;s assets that could have a material effect on its financial statements. Parent has designed and implemented disclosure controls and procedures
(within the meaning of Rules 13a-15(e) and 15d-15(e) of the Exchange Act) to ensure that material information relating to Parent and its Subsidiaries is made known to its management by others within those entities as appropriate to allow timely
decisions regarding required disclosure and to make the certifications required by the Exchange Act and Sections 302 and 906 of the Sarbanes-Oxley Act and such disclosure controls and procedures are effective. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent&#146;s management has completed an assessment of the effectiveness of its internal
control over financial reporting in compliance with the requirements of Section&nbsp;404 of the Sarbanes-Oxley Act for the year ended December&nbsp;31, 2014, and such assessment concluded that such controls were effective. Parent has previously
disclosed, based on its most recent evaluation prior to the date hereof, to its auditors and the audit committee of its board of directors (A)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal controls
over financial reporting and (B)&nbsp;any fraud, whether or not material, that </P>
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involves management or other employees who have a significant role in its internal controls over financial reporting. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2012, except as Previously Disclosed, (A)&nbsp;neither Parent nor
any of its Subsidiaries nor, to the Knowledge of Parent, any director, officer, auditor, accountant or representative of it or any of its Subsidiaries has received or otherwise had or obtained knowledge of any material complaint, allegation,
assertion or written claim regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs and accruals) of Parent or any of its Subsidiaries or their
respective internal accounting controls, including any material complaint, allegation, assertion or written claim that Parent or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (B)&nbsp;no attorney
representing Parent or any of its Subsidiaries, whether or not employed by it or any of its Subsidiaries, has reported evidence of a material violation of securities Laws, breach of fiduciary duty or similar violation by it or any of its officers or
directors to its board of directors or any committee thereof or to any of its directors or officers. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reorganization</U>.&nbsp;&nbsp;Neither Parent nor Citizen Business Bank has taken or agreed
to take any action, or is aware of any fact or circumstance, that would prevent or impede, or could reasonably be expected to prevent or impede, the Merger from qualifying as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of
the Code. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Accuracy and Completeness of Information Furnished</U>.&nbsp;&nbsp;The
representations and warranties made by Parent hereby or any other document delivered pursuant to the terms of this Agreement contain no statements of material fact which are untrue or misleading, or omit to state any material fact which is necessary
under the circumstances to prevent the statements contained herein or therein from being misleading. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>COVENANTS RELATING TO CONDUCT OF BUSINESS </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conduct of Company Business Prior to the Effective Time</U>. Except as Previously
Disclosed, as expressly contemplated by or permitted by this Agreement, as required by applicable Law, or with the prior written consent of Parent (which consent shall not be unreasonably withheld, conditioned or delayed), during the period from the
date of this Agreement to the earlier of the Effective Time or the termination of this Agreement in accordance with Article VIII, the Company shall, (i)&nbsp;conduct its business in the ordinary course consistent with past practice in all material
respects, (ii)&nbsp;use commercially reasonable efforts to maintain and preserve intact its business organization and advantageous business relationships, and goodwill with Governmental Entities, customers, suppliers, distributors, creditors,
lessors, officers and employees and business associates, keep available the services of the Company&#146;s present employees and agents, and perform its material obligations under all Material Contracts, (iii)&nbsp;maintain in full force and effect
insurance comparable in amount and scope of coverage to that now maintained by it, (iv)&nbsp;maintain its allowance for loan and lease losses in accordance with past practices and methodologies and GAAP (providing however, that any changes in
practices or methodology shall be attributable solely to changes in GAAP or as directed by a Governmental Entity), (v)&nbsp;charge off all Loans and other assets, or portions thereof, deemed </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">42 </P>


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uncollectible or classified as &#147;loss&#148; in accordance with GAAP and applicable Law or as directed by a Governmental Entity, (vi)&nbsp;maintain loan classification policies and procedures
in accordance with industry best practices consistent with past practice, and (vii)&nbsp;take no action that is intended to or would reasonably be expected to adversely affect or materially delay the ability of either the Company or Parent to obtain
any necessary approvals of any Governmental Entity required for the transactions contemplated hereby or to perform its covenants and agreements under this Agreement or to consummate the transactions contemplated hereby. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Forbearances</U>. During the period from the date of this Agreement to the
earlier of the Effective Time or the termination of this Agreement in accordance with Article VIII, except as Previously Disclosed, as expressly contemplated or permitted by this Agreement, or as required by applicable Law, the Company shall not,
without the prior written consent of Parent (which consent shall not be unreasonably withheld, conditioned or delayed): </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) issue, sell or otherwise permit to become outstanding, or dispose of or encumber or
pledge, or authorize or propose the creation of, any additional shares of its capital stock, or securities convertible or exchangeable into, or exercisable for, any shares of its capital stock, or any options, warrants or other rights of any kind to
acquire any shares of such capital stock or such convertible or exchangeable securities or receive a cash payment based on the value of any shares of such capital stock, or (ii)&nbsp;permit any additional shares of its capital stock, or securities
convertible or exchangeable into, or exercisable for, any shares of its capital stock, or any options, warrants or other rights of any kind to acquire any shares of such capital stock or such convertible or exchangeable securities or receive a cash
payment based on the value of any shares of such capital stock, to become be subject to new grants, in each case except as required pursuant to the exercise or settlement of the Company Stock Options outstanding on the date hereof in accordance with
the terms of the applicable Company Stock Plan and the agreement governing the applicable Company Stock Option, in each case as in effect on the date hereof. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make, declare, pay or set aside for payment any dividend on or in respect of, or declare
or make any distribution on any shares of its capital stock or directly or indirectly adjust, split, combine, redeem, reclassify, purchase or otherwise acquire, any shares of its stock or other securities. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amend or modify the material terms of, waive, release or assign any rights under,
terminate, renew or allow to renew automatically, make any payment not then required under, knowingly violate the terms of or enter into (i)&nbsp;any Material Contract, Lease, Regulatory Agreement, any contract that would be a Material Contract if
it were in existence on the date hereof or other binding obligation that is material to the Company, taken as a whole, (ii)&nbsp;any restriction on the ability of the Company to conduct its business as it is presently being conducted or
(iii)&nbsp;any contract governing the terms of the Company Common Stock or rights associated therewith or any other outstanding capital stock or any outstanding instrument of indebtedness. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sell, transfer, mortgage, lease, guarantee, encumber, license, let lapse, cancel, abandon
or otherwise create any Lien on or otherwise dispose of or discontinue any of its assets, deposits, business or properties (other than sales pursuant to Section&nbsp;5.2(p), which Section&nbsp;5.2(p) will exclusively govern such sales), except for
sales, transfers, mortgages, leases, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">43 </P>


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guarantees, encumbrances, licenses, lapse, cancellation, abandonments or other dispositions or discontinuances in the ordinary course of business and in a transaction that, together with other
such transactions, is not material to the Company taken as a whole. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Acquire (other
than by way of foreclosures or acquisitions of control in a fiduciary or similar capacity or in satisfaction of debts previously contracted in good faith, in each case in the ordinary course of business) all or any portion of the assets, business,
deposits or properties of any other entity, except in the ordinary course of business and in a transaction that, together with other such transactions, is not material to it, taken as a whole, and would not reasonably be expected to present a
material risk that the Closing Date will be materially delayed or that the Requisite Regulatory Approvals will be more difficult to obtain. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amend the Company Articles or the Company Bylaws, or similar governing documents of any of
its Subsidiaries. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as and when required under applicable Law or (subject to
Section&nbsp;6.6) the terms of any Employee Benefit Plan in effect as of the date hereof or as set forth in Section&nbsp;6.6 of the Company Disclosure Schedule (i)&nbsp;increase in any manner the salary, wages, welfare or other benefits of any of
the current or former directors, officers, employees or other service providers of the Company, except for ordinary course merit-based increases in the base salary of employees consistent with past practice, with respect to both timing and amount,
but in any case not in excess, in the aggregate, of 3% annually with respect to the aggregate amount of all base salaries in effect for Company as of September&nbsp;30, 2015, (ii)&nbsp;grant, pay or agree to pay any bonus or other incentive
compensation, except for such bonuses of incentive compensation that would not exceed, in the aggregate, for the year ended December&nbsp;31, 2015, 125% of the aggregate bonus and other incentive compensation paid to executives and employees with
respect to the year ended December&nbsp;31, 2014 or as otherwise permitted as a Retention Incentive in accordance with Section&nbsp;6.6(e) hereof, (iii)&nbsp;become a party to, establish, amend, alter a prior interpretation of in a manner that
enhances rights or materially increases costs, commence participation in, terminate or commit itself to the adoption of any Employee Benefit Plan or plan that would be an Employee Benefit Plan if in effect as of the date hereof, other than de
minimis amendments in the ordinary course of business consistent with past practice, (iv)&nbsp;grant (or commit to grant) any new equity award, (v)&nbsp;grant, pay or increase (or commit to grant, pay or increase) any severance, retirement or
termination pay, other than in connection with termination of employment pursuant to any Employee Benefit Plan in effect as of the date hereof or, for employees of Company who are terminated other than for cause (as defined by the Company), an
amount equal to such employee&#146;s regularly scheduled base salary or base wages in effect immediately prior to the date of termination of employment for a period equal to (x)&nbsp;two weeks plus (y)&nbsp;the product of two weeks multiplied by the
number of full years and any portion thereof of continuous service completed by such employee with the Company, (vi)&nbsp;accelerate the payment or vesting of, or lapsing of restrictions with respect to, any stock-based compensation, long-term
incentive compensation, deferred compensation or any bonus or other incentive or deferred compensation, (vii)&nbsp;cause the funding of any rabbi trust or similar arrangement or take any action to fund or in any other way secure the payment of
compensation or benefits under any Employee Benefit Plan, (viii)&nbsp;terminate the employment or services of any officer or employee who is party to a change in control agreement other than for cause, (ix)&nbsp;enter into any collective bargaining
or other agreement with a labor organization, (x)&nbsp;forgive or issue any loans to any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">44 </P>


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current or former officer, employee or director of the Company or (xi)&nbsp;hire any officer, employee or other service provider except as a replacement for such officer in the ordinary course of
business and at an annual base salary not to exceed that of the Person being replaced, or except in the ordinary course of business for non-executive officer positions for an annual base salary not in excess of $100,000. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Willfully take, or willfully omit to take, any action that would prevent or impede, or
could reasonably be expected to prevent or impede, the Merger from qualifying as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Incur or guarantee any indebtedness for borrowed money, other than in the ordinary course
of business, or assume, guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any other Person. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Enter into any new line of business or make any material change in any basic policies and
practices with respect to pricing of loans, deposits and services, liquidity management and cash flow planning, marketing, deposit origination, lending, budgeting, profit and tax planning, personnel practices or any other material aspect of the
Company&#146;s business or operations, except as required by Law, requested by any Regulatory Agency or in the ordinary course of business consistent with past practice and the Company&#146;s polices in effect as of the date of this Agreement,
including adjustments in interest rates generally. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Other than in accordance with
the investment policies of the Company in effect on the date hereof or in securities transactions as provided in (ii)&nbsp;below, make any investment either by contributions to capital, property transfers or purchase of any property or assets of any
Person, (ii)&nbsp;other than purchases of direct obligations of the United States of America or obligations of United States government agencies which are entitled to the full faith and credit of the United States of America, in any case with a
remaining maturity at the time of purchase of one year or less, purchase or acquire securities of any type; or (iii)&nbsp;materially change the composition of the Investment Securities its securities portfolio, including any changes in the credit
quality or the duration of the Investment Securities; <U>provided</U><I>, </I><U>however</U><I>,</I> that in the case of Investment Securities the Company may purchase Investment Securities if, within two (2)&nbsp;Business Days after the Company
requests in writing (which request shall describe in detail the investment securities to be purchased and the price thereof) that Parent consent to making of any such purchase, Parent has approved such request in writing or has not responded in
writing to such request. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Enter into any settlement, compromise or similar agreement
with respect to, any action, suit, claim, proceeding, order or investigation to which the Company is or becomes a party after the date of this Agreement, which settlement, compromise, agreement or action, suit, claim, proceeding, order or
investigation that is settled in an amount and for consideration not in excess of $50,000 individually or $100,000 in the aggregate and that would not (i)&nbsp;impose any material restriction on the business of the Company or (ii)&nbsp;create
adverse precedent for claims that are reasonably likely to be material to the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other than as determined to be necessary or advisable by the Company in the good faith
exercise of its discretion based on changes in market conditions and consistent </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">45 </P>


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with the Company&#146;s policies in effect as of the date of this Agreement, alter materially its interest rate or pricing fee or fee pricing policies with respect to depository accounts of any
of its Subsidiaries or waive any material fees with respect thereto. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as required by applicable Law or by a Regulatory Agency,
(i)&nbsp;implement or adopt any material change in its interest rate and other risk management policies, procedures or practices or (ii)&nbsp;fail to follow in all material respects, the Company&#146;s existing policies or practices with respect to
managing its exposure to interest rate and other risk. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Grant or commit to
grant any extension of credit, if such extension of credit, together with all other credit then outstanding to the same Person and all Affiliated Persons, would exceed $1,000,000 (consent shall be deemed granted if within two (2)&nbsp;Business Days
of written notice delivered to Citizen Business Bank&#146;s Chief Credit Officer or his designee, notice of objection is not received by the Company). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sell any real estate owned, charge-off any assets, make any compromises on
debt, release any collateral on loans or commit to do any of the foregoing, if such sale, charge-off, compromise or release would exceed $100,000 in the aggregate (consent shall be deemed granted if within two (2)&nbsp;Business Days of written
notice delivered to Citizen Business Bank&#146;s Chief Credit Officer or his designee, notice of objection is not received by the Company). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Renew or commit to renew any extension of credit that would exceed $1,000,000
unless the extension of credit is renewed on terms substantially similar to those of the existing extension of credit or are more favorable to the Company than those of the existing extension of credit and the characteristics of the borrower have
not substantially changed (consent shall be deemed granted if within two (2)&nbsp;Business Days of written notice delivered to Citizen Business Bank&#146;s Chief Credit Officer or his designee, notice of objection is not received by the Company).
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase or commit to purchase any Loan or participation in any extension
of credit, or make, acquire a participation in or reacquire an interest in a participation sold of any extension of credit, or renew or extend the maturity of any participation in any extension of credit. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Enter into any securitizations of any Loans or create any special purpose
funding or variable interest entity other than on behalf of clients. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Invest in any mortgage-backed or mortgage related securities that would be
considered &#147;high-risk&#148; securities under applicable regulatory pronouncements or enter into any Derivatives Transaction. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accept, renew or roll over any brokered deposits or solicit deposits by
offering an effective yield that exceeds by 25 basis points the prevailing effective yields on insured deposits of comparable maturity for its ordinary course commercial or consumer deposits other than funds obtained through the Certificate of
Deposit Account Registry Service. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">46 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make application for the opening,
relocation or closing of any, or open, relocate or close any, branch office, loan production office or other office or operations facility other than the Company&#146;s Westlake Branch Office. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make any capital expenditures other than capital expenditures in the ordinary and
usual course of business consistent with past practice in amounts not exceeding $50,000 individually or $100,000 in the aggregate. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pay, loan or advance any amount to, or sell, transfer or lease any properties,
rights or assets (real, personal or mixed, tangible or intangible) to, or enter into any arrangement or agreement with, any of its officers or directors or any of their family members, or any Affiliates or associates (as defined under the Exchange
Act) of any of its officers or directors, other than Loans originated in the ordinary course of business and, in the case of any such arrangements or agreements relating to compensation, fringe benefits, severance or termination pay or related
matters, only as otherwise permitted pursuant to this Section&nbsp;5.2. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make or commit to make any Loan or amend the terms of any Loan outstanding on
the date hereof to any directors, officers and principal shareholders (as such terms are defined in Regulation O of the Federal Reserve Board (12 C.F.R. Part 215)) of the Company or waive any rights with respect to any such Loan. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change its tax or accounting policies and procedures or any method or period
of accounting unless required by GAAP or a Governmental Entity. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(aa)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change its fiscal
year for tax or accounting purposes. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(bb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other than as required by GAAP or any
Governmental Entity, reduce any material accrual or reserve, including its allowance for loan and lease losses, any contingency reserve, litigation reserve, or tax reserve, or change the methodology by which such accounts generally have been
maintained in accordance with past practices. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(cc)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make any material change in any basic
policies and practices with respect to loans, deposits and services, liquidity management and cash flow planning, marketing, deposit origination, lending, reserves for loan or lease losses, budgeting, profit and tax planning, personnel practices or
any other material aspect of its business or operations. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(dd)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Grant any Person a power of
attorney or similar authority. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(ee)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Take title to any real property without conducting
prior thereto an environmental investigation, which investigation shall disclose the absence of any suspected environmental contamination. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(ff)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;Acquire direct or indirect control over any Person, whether by stock
purchase, merger, consolidation or otherwise, or (ii)&nbsp;make any other investment either by purchase of securities (except the purchase of an Investment Security), contributions to capital, property transfers or purchase of any property or assets
of any other Person, except, in either instance, in connection with a foreclosure of collateral or conveyance of such collateral in lieu of foreclosure taken in connection with collection of a loan in the ordinary course of business
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">47 </P>


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consistent with past practice and with respect to loans made to third parties who are not Affiliates of the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(gg)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make or change any material Tax elections, change or consent to any change in its method
of accounting for Tax purposes (except as required by applicable Tax Law), take any material position on any material Tax Return filed on or after the date of this Agreement, settle or compromise any material Tax liability, claim or assessment,
enter into any closing agreement, waive or extend any statute of limitations with respect to a material amount of Taxes, surrender any right to claim a refund for Taxes, or file any material amended Tax Return. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(hh)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Willfully take any action or willfully omit to take any action that is intended to or
would reasonably be likely to result in (i)&nbsp;any of the Company&#146;s representations and warranties set forth in this Agreement being or becoming untrue in any material respect at any time at or prior to the Effective Time, (ii)&nbsp;any of
the conditions to the Merger set forth in Article VII not being satisfied or delayed, or (iii)&nbsp;a material violation or breach of any provision of this Agreement, except as may be required by applicable Law. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agree to take, make any commitment to take, or adopt any resolutions of its
Board of Directors in support of, any of the actions prohibited by this Section&nbsp;5.2. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conduct of Parent</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During the period from the date of this Agreement to the earlier of the
Effective Time or the termination of this Agreement in accordance with Article VIII, except as expressly provided in this Agreement or with the written consent of Company (which consent will not be unreasonably withheld or delayed) and except as
would not be reasonably expected to have a Material Adverse Effect with respect to Parent and Citizens Business Bank, Parent and Citizens Business Bank will timely file all Parent SEC Reports and any other filings required to be filed with any
applicable Governmental Entity and will comply in all material respects with all of the applicable rules enforced or promulgated by any Governmental Entity with which any Parent SEC Reports or any other filings will be filed and none will contain
any 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, in light of the circumstances under which they will be made, not misleading. Any financial statement
contained in any such Parent SEC Reports, or other filing that is intended to present the financial position of Parent and its Subsidiaries will fairly present the financial position of Parent and its Subsidiaries in all material respects and will
be prepared in accordance with GAAP consistently applied during the periods involved or, to the extent then required, the applicable accounting procedures required by any Governmental Entity with which such Parent SEC Reports or other filing will be
filed, in all material respects. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as expressly permitted by this
Agreement or with the prior written consent of the Company (which consent shall not be unreasonably withheld), during the period from the date of this Agreement to the earlier of the Effective Time or the termination of this Agreement in accordance
with Article VIII, Parent shall not, and shall not permit any of its Subsidiaries to, except as may be required by applicable Law or policies imposed by any Governmental Entity: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">48 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">(i) take, or omit to take, any action that would reasonably be expected to prevent, materially
impede, materially impair, or materially delay the consummation of the transactions contemplated by this Agreement including, without limitation, adversely affecting the ability of the parties to obtain the Requisite Regulatory Approvals of any
Governmental Entity required to complete the transactions contemplated hereby, the Approvals, or the Company Shareholder Approval or materially increase the period of time necessary to obtain such Requisite Regulatory Approvals or the Company
Shareholder Approval; </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">(ii) willfully take, or willfully omit to take, any action that is reasonably likely to result in any of the
conditions to the Merger set forth in Section&nbsp;7.1 or Section&nbsp;7.3 not being satisfied; </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">(iii) enter into or agree to enter into
an Acquisition Proposal unless such Acquisition Proposal requires completion of the Merger and, if applicable, provides that the Company&#146;s shareholders acquiring Parent Common Stock in the Merger will receive, on account of their shares of
Parent Common Stock to be received in the Merger, the same consideration in the transaction contemplated by the Acquisition Proposal, if completed, at the same time such consideration is received by other holders of Parent Common Stock; or </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">(iv) willfully take, or willfully omit to take, any action that would prevent or impede, or could reasonably be expected to prevent or
impede, the Merger from qualifying as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VI
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ADDITIONAL AGREEMENTS </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory Matters</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent and the Company shall reasonably promptly prepare and shall use their
commercially reasonable efforts to file with the SEC, within forty-five (45)&nbsp;days of the date of this Agreement, the Form S-4, in which the Proxy Statement and a prospectus will be included. Each of Parent and the Company shall use its
commercially reasonable efforts to have the Form S-4 declared effective under the Securities Act as promptly as practicable after such filing, and the Company shall thereafter mail or deliver the Proxy Statement to its shareholders. Parent shall
also use its reasonable best efforts to obtain all necessary state securities Law or &#147;blue sky&#148; permits and approvals required to carry out the transactions contemplated by this Agreement, and the Company shall furnish all information
concerning the Company and the holders of the Company Common Stock as may be reasonably requested in connection with any such action. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The parties shall reasonably cooperate with each other and use their
respective commercially reasonable efforts to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings, to obtain as promptly as practicable all permits, consents, approvals and authorizations
of all third parties and Governmental Entities that are necessary or advisable to consummate the Merger and the other transactions contemplated by this Agreement as soon as reasonably possible, and to comply with the terms and conditions of all such
permits, consents, approvals, and authorizations of all such </P>
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third parties or Governmental Entities. Parent shall use its commercially reasonable efforts to make all initial requisite regulatory filings within thirty (30)&nbsp;days of this Agreement (other
than any notice to the Federal Reserve under its regulations, which will be filed in accordance with the timing contemplated by such regulations or the request of the staff of the Federal Reserve). The Company and Parent shall have the right to
review in advance and, to the extent practicable, each will consult the other on, in each case subject to applicable Laws, all the non-confidential information relating to the Company or Parent (excluding any confidential financial information
relating to individuals), as the case may be, and any of their respective Subsidiaries, that appear in any filing made with, or written materials submitted to, any third party or any Governmental Entity in connection with the transactions
contemplated by this Agreement. In exercising the foregoing right, each of the parties shall act reasonably and as promptly as practicable. The parties shall consult with each other with respect to the obtaining of all permits, consents, approvals
and authorizations (collectively the &#147;<U>Approvals</U>&#148;) of all third parties and Governmental Entities necessary or advisable to consummate the Merger and the other transactions contemplated by this Agreement and each party will keep the
other reasonably apprised of the status of matters relating to such Approvals and the completion of the Merger and the other transactions contemplated by this Agreement. Each party shall consult with the other in advance of any meeting or conference
with any Governmental Entity in connection with the Merger and the other transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each of Parent and the Company shall, upon request, furnish to the other all
information concerning itself, its Subsidiaries, directors, officers and shareholders and such other matters as may be reasonably necessary or advisable in connection with the Proxy Statement, the Form S-4 or any other statement, filing, notice or
application made by or on behalf of Parent, the Company or any of their respective Subsidiaries to any Governmental Entity in connection with the Merger and the other transactions contemplated by this Agreement. Each of Parent and the Company
agrees, as to itself (and its Subsidiaries in the case of Parent), that none of the information supplied or to be supplied by it for inclusion or incorporation by reference in (i)&nbsp;the Form S-4 will, at the time the Form S-4 and each amendment
or supplement thereto, if any, becomes effective under the Securities Act, contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary to make the statements therein not misleading
and (ii)&nbsp;the Proxy Statement and any amendment or supplement thereto will, at the date of mailing to shareholders and at the time of the Company&#146;s meeting of its shareholders to consider and vote upon approval of this Agreement, contain
any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which such statement was made, not misleading. Each of
Parent and the Company further agrees that if it becomes aware that any information furnished by it would cause any of the statements in the Form S-4 or the Proxy Statement to be false or misleading with respect to any material fact, or to omit to
state any material fact necessary to make the statements therein not false or misleading, to promptly inform the other party thereof and to take appropriate steps to correct the Form S-4 or the Proxy Statement, as applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding the foregoing, nothing contained herein shall be deemed to
require Parent or any of its Subsidiaries to take any action, or commit to take any action, or agree to any condition or restriction, in connection with obtaining the foregoing permits, consents, approvals and authorizations of Governmental Entities
that would reasonably be likely, </P>
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in each case following the Effective Time (but regardless when the action, condition or restriction is to be taken or implemented), to have a Material Adverse Effect on Parent or Citizens
Business Bank (measured on a scale relative to the Company) or materially restrict or impose a material burden on Parent or any of its Subsidiaries (including, after the Effective Time, the Company and its Subsidiaries) in connection with the
transactions contemplated hereby or with respect to the business or operation of Parent, Citizens Business Bank or any of their respective Subsidiaries (including, after the Effective Time, the Company and its Subsidiaries) (a &#147;<U>Materially
Burdensome Regulatory Condition</U>&#148;). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each of Parent and the
Company shall promptly advise the other upon receiving any communication from any Governmental Entity the consent or approval of which is required for consummation of the Merger and the other transactions contemplated by this Agreement that causes
such party to believe that there is a reasonable likelihood that any Requisite Regulatory Approval will not be obtained or that the receipt of any such approval may be materially delayed. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reasonable Best Efforts</U>. Subject to the terms and conditions of this
Agreement, each of the Company and Parent agrees to cooperate with the other and use its commercially reasonable efforts in good faith to take, or cause to be taken, all actions, and to do, or cause to be done, all things necessary, proper or
desirable, or advisable on its part under this Agreement or under applicable Laws to consummate and make effective the Merger and the other transactions contemplated hereby as promptly as practicable, including the satisfaction of the conditions set
forth in Article VII hereof. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Access to Information</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon reasonable notice and subject to applicable Laws, the Company shall
afford to the officers, employees, accountants, counsel, advisors, agents and other representatives of Parent, reasonable access, during normal business hours during the period prior to the Effective Time or the termination of this Agreement in
accordance with its terms, to all its properties, books, contracts, commitments, personnel and records, and, during such period, the Company shall make available to Parent (i)&nbsp;a copy of each report, schedule, registration statement and other
document filed or received by it during such period pursuant to the requirements of federal securities Laws or federal or state banking Laws (other than reports or documents that the Company is not permitted to disclose under applicable Law),
(ii)&nbsp;all other information concerning its business, properties and personnel as Parent may reasonably request and (iii)&nbsp;access to the necessary information (including the Company&#146;s own good faith estimates as available and third-party
reports, if any, commissioned by the Company at Parent&#146;s request) in order to prepare a good faith estimate of the potential impact of Sections 280G and 4999 of the Code with respect to amounts potentially payable to senior executives of the
Company in connection with the consummation of the transactions contemplated by this Agreement. Upon the reasonable request of the Company, Parent shall furnish such reasonable information about it and its business as is reasonably relevant to the
Company and its shareholders in connection with the Merger and the other transactions contemplated by this Agreement. Neither the Company nor Parent, nor any of Parent&#146;s Subsidiaries shall be required to provide access to or to disclose
information to the extent such access or disclosure would jeopardize the attorney-client privilege of such party or its Subsidiaries or contravene any Law or binding agreement entered into prior </P>
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to the date of this Agreement. The parties shall make appropriate substitute disclosure arrangements under circumstances in which the restrictions of the preceding sentence apply. In addition to
the foregoing, no later than the twenty-fifth (25<SUP STYLE="font-size:85%; vertical-align:top">th</SUP>)&nbsp;calendar day of each month, the Company shall provide Parent with a listing of all new and renewed loans and loan modifications, loan
payoffs and loan purchases with a balance of $100,000 or greater that were completed or made during the preceding month. Parent and Citizens Business Bank shall use commercially reasonable efforts to minimize any interference with the Company&#146;s
regular business operations during any such access to Company&#146;s property, books and records. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As soon as reasonably practicable after they become available, but in no event
more than twenty-five (25)&nbsp;days after the end of each calendar month ending after the date hereof, the Company will furnish to Parent, (i)&nbsp;consolidated financial statements (including balance sheets, statements of operations and
stockholders&#146; equity) of it (to the extent available) as of and for such month then ended, (ii)&nbsp;consolidating financial statements (including balance sheets, statements of operations and stockholders&#146; equity) of it (to the extent
available) as of and for such month then ended, (iii)&nbsp;internal management reports showing actual financial performance against plan, and (iv)&nbsp;to the extent permitted by applicable Law, any reports provided to its Board of Directors or any
committee thereof relating to the financial performance and risk management of it or any of its Subsidiaries. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All nonpublic information and materials provided pursuant to this Agreement
shall be subject to the provisions of the Confidentiality Agreement entered into between the parties dated August&nbsp;13, 2015 (the &#147;<U>Confidentiality Agreement</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No investigation by a party hereto or its representatives shall affect or be
deemed to modify or waive any representations, warranties or covenants of the other party set forth in this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder Approval</U>. The Company agrees to take, in accordance with
applicable Law and the Company Articles and the Company Bylaws, all action necessary to convene as soon as practicable after the Form S-4 is declared effective (but in no event later than sixty (60)&nbsp;days after the Form S-4 is declared
effective), a special meeting or meetings of its shareholders duly called and held for such purposes (the &#147;<U>Company Shareholder Meeting</U>&#148;) to consider and to obtain the Company Shareholder Approval. Subject to Section&nbsp;6.9(b)-(c),
the Board of Directors of the Company shall at all times prior to and during such special meeting recommend such approval and shall use its reasonable best efforts to solicit such approval by its shareholders (the &#147;<U>Company Board
Recommendation</U>&#148;). The Company shall not, without the prior written consent of Parent, adjourn or postpone the Company Meeting; <U>provided</U> that the Company may, without the prior written consent of Parent, adjourn or postpone the
Company Shareholder Meeting (A)&nbsp;if on the date on which the Company Shareholder Meeting is originally scheduled, the Company has not received proxies representing a sufficient number of shares of Company Common Stock to obtain the Company
Shareholder Approval, the Company shall adjourn the Company Shareholder Meeting until such date as shall be mutually agreed upon by the Company and Parent, which date shall not be less than five (5)&nbsp;Business Days nor more than ten
(10)&nbsp;Business Days after the date of adjournment, and subject to the terms and conditions of this Agreement shall continue to use all reasonable best efforts, together with its proxy solicitor, to assist in the solicitation of proxies from
shareholders relating to the Company Shareholder </P>
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Approval, (B)&nbsp;after consultation with Parent, if the failure to adjourn or postpone the Company Shareholder Meeting would reasonably be expected to be a violation of applicable Law for the
distribution of any required supplement or amendment to the Proxy Statement, or (C)&nbsp;after consultation with the Company, for a single period not to exceed ten (10)&nbsp;Business Days, to solicit additional proxies if necessary to obtain the
Company Shareholder Approval. Once the Company has established the record date for determining shareholders of the Company entitled to vote at the Company Shareholder Meeting, the Company shall not change such record date or establish a different
record date for the Company Shareholder Meeting without the prior written consent of Parent (which consent shall not be unreasonably withheld, conditioned or delayed), unless required to do so by applicable Law or the Company Articles or the Company
Bylaws. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nasdaq Listing</U>. Prior to the Closing Date, Parent shall file with
Nasdaq any required notices or forms with respect to listing the shares of Parent Common Stock to be issued in the Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee Matters</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as otherwise provided in this Agreement or pursuant to the terms of
such Employee Benefit Plans including employment agreements and agreements providing for Change of Control Payments, all Employee Benefit Plans of the Company will be discontinued and employees of the Company who become employees of Citizens
Business Bank on the Closing Date (each such employee, a &#147;<U>Covered Employee</U>&#148;) shall become eligible for the employee benefit plans of Citizens Business Bank on the same terms as such plans and benefits are generally offered from time
to time to employees of Citizens Business Bank in comparable positions with Citizens Business Bank. Effective as of a date no later than the day immediately preceding the Closing Date, Company shall file Form 5500 for its 401(k) Plan, with respect
to the plan year ended December&nbsp;31, 2014, and shall terminate the 401(k) Plan and any other Employee Benefit Plans identified by Parent to the Company and shall provide Parent with evidence that the 401(k) Plan has been terminated (effective no
later than the day immediately preceding the Closing Date) pursuant to resolutions of the Company Board of Directors. The form and substance of such resolutions shall be subject to the review and reasonable approval of Parent. The Company shall also
take such other actions in furtherance of terminating the 401(k) Plan as Parent may reasonably require. For purposes of determining such Covered Employees&#146; eligibility and vesting (but not for benefit accruals) under the employee benefit plans
of Citizens Business Bank and entitlement to severance benefits and vacation entitlement (to the extent permitted by applicable Law), Citizens Business Bank shall recognize such employees&#146; years of service with the Company beginning on the date
such employees commenced employment with the Company through the Closing Date. Citizens Business Bank shall take any actions necessary to allow the former participants in the Company 401(k) Plan who become eligible to participate in the Citizens
Business Bank 401(k) Plan to make rollover contributions (but not including the rollover of participant loans except for participant loans outstanding on the date of this Agreement with a principal balance of less than $10,000) in accordance with
the terms and conditions of the Citizens Business Bank 401(k) Plan. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective as of the Closing Date, the Company shall take all actions, and
obtain any and all employee and other service provider consents, that may be necessary or appropriate to terminate Company&#146;s Deferred Compensation Plan and the Grantor Trust </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">53 </P>


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pertaining to such Deferred Compensation Plan, together with any employment agreement obligations that would be funded into the Grantor Trust and any other nonqualified deferred compensation
plans (as defined for purposes of Code Section&nbsp;409A) of the Company that would be considered a single plan with the Deferred Compensation Plan under Treasury Regulations Section&nbsp;1.409A-1(c)(2) with respect to any Company employee or other
service provider. Termination of the Deferred Compensation Plan, such employment agreement obligations and all other nonqualified deferred compensation arrangements that are considered a single plan with the Deferred Compensation Plan shall be
effected in accordance with Treasury Regulations Section&nbsp;1.409A-3(j)(4)(ix)(B), and all Company deferred compensation obligations and such employment agreement obligations shall be paid out upon or within twelve (12)&nbsp;months following the
Closing. Company shall provide Parent with evidence that the Deferred Compensation Plan, the Grantor Trust and any other such nonqualified deferred compensation plan has been terminated (effective as of the Closing Date) pursuant to resolutions of
the Company Board of Directors. The form and substance of such resolutions shall be subject to the review and reasonable approval of Parent. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the requirements of applicable Law, Citizens Business Bank shall
take such commercially reasonable actions as are necessary to cause the group health plan maintained by Citizens Business Bank or an Affiliate thereof, and applicable insurance carriers, third party administrators and any other third parties, to the
extent such group health plan is made available to employees of the Company on the Closing Date, to (i)&nbsp;waive any evidence of insurability requirements, waiting periods, and any limitations as to preexisting medical conditions under the group
health plan applicable to employees of the Company on the Closing Date and their spouses and eligible dependents (but only to the extent that such preexisting condition limitations did not apply or were satisfied under the group health plan
maintained by the Company prior to the Closing) and (ii)&nbsp;provide employees of the Company on the Closing Date with credit, for the calendar year in which the Closing occurs, for the amount of any out-of-pocket expenses and copayments or
deductible expenses that are incurred by them during the calendar year in which the Closing occurs under a group health plan maintained by Citizens Business Bank or any of its Affiliates (unless such employees of the Company were, when employed by
the Company, participants in a Health Maintenance Organization health plan). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without limiting the generality of Section&nbsp;9.10, the provisions of this
Section&nbsp;6.6 are solely for the benefit of the parties to this Agreement, and no current or former employee, independent contractor or any other individual associated therewith shall be regarded for any purpose as a third-party beneficiary of
this Agreement. In no event shall the terms of this Agreement be deemed to (i)&nbsp;establish, amend, or modify any Employee Benefit Plan, plan, program, agreement or arrangement maintained or sponsored by Parent, the Company or any of their
respective Affiliates; (ii)&nbsp;alter or limit the ability of Parent or any of its Subsidiaries (including, after the Closing Date, the Surviving Corporation and its Subsidiaries) to amend, modify or terminate any Employee Benefit Plan, employment
agreement or any other benefit or employment plan, program, agreement or arrangement after the Closing Date; or (iii)&nbsp;confer upon any current or former employee, independent contractor or other service provider any right to employment or
continued employment or continued service with Parent or any of its Subsidiaries (including, following the Closing Date, the Surviving Corporation and its Subsidiaries), or constitute or create an employment or other agreement with any employee,
independent contractor or other service provider. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">54 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each of Parent and the Company
acknowledges and agrees that it is in the best interests of Parent and the Company to properly incentivize certain employees of the Company, as mutually agreed to by Parent and the Company, to remain employed with the Company through the Effective
Time in order to assist in the successful completion of the transactions contemplated by this Agreement, that the Company may offer such retention incentives to such employees of the Company in such amounts and on such terms and conditions as are
mutually agreeable to Parent and the Company as set forth in Company Disclosure Schedule 7.2(l)(vi) (the &#147;<U>Retention Incentives</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Citizens Business Bank shall consult with the Company, and the Company shall
cooperate with Citizens Business Bank in good faith, to enable Citizens Business Bank to identifying those employees of the Company who will be offered employment by Citizens Business Bank after the Effective Time. The Company will provide Citizens
Business Bank with information regarding such persons&#146; current employment arrangements with the Company and will otherwise assist Citizens Business Bank in making such offers. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For a period of one (1)&nbsp;year following the Closing Date, Parent shall
cause the Surviving Corporation to provide, and the Surviving Corporation shall provide, a lump sum severance payment to each Covered Employee (other than any Covered Employee having an agreement providing for severance) who is terminated by the
Surviving Corporation other than for Cause in an amount equal to the greater of (i)&nbsp;such employee&#146;s base salary with Company immediately prior to the Effective Time, or (ii)&nbsp;such employee&#146;s regularly scheduled base salary or base
wages at the time of termination of employment, in each case for a period equal to (x)&nbsp;two weeks plus (y)&nbsp;the product of two weeks multiplied by the number of full years of continuous service completed by such employee with the Company and
the Surviving Corporation at the time of termination of employment, subject to applicable tax withholding and subject further to the employee signing a release of claims in favor of Parent and Citizens Business Bank and allowing it to become
effective. For purposes of this Section&nbsp;6.6(g), &#147;<U>Cause</U>&#148; shall mean the employee&#146;s personal dishonesty, willful misconduct, breach of fiduciary duty involving personal profit, failure to comply with any valid and legal
directive of Parent or Citizens Business Bank, failure to perform stated duties, or violation of any law, rule or regulation (other than traffic violations or similar offenses) or order of any Governmental Entity. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent shall, or shall cause the Surviving Corporation to, assume and honor
the obligations of the Company under all employment, severance, consulting, retirement and other compensation contracts, arrangements, commitments or understandings, in accordance with their terms, subject to the right to make amendments or
modifications to the extent permitted by such terms. Parent hereby acknowledges that the Merger will constitute a &#147;Change in Control&#148; (or concept of similar import) in accordance with the provisions of the Company Employee Benefit Plans
which provide for Change of Control Payments. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">55 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification; Directors&#146; and
Officers&#146; Insurance</U>. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From and after the Effective Time, each of
Parent and the Surviving Corporation shall indemnify and hold harmless each present and former director and officer of the Company and its Subsidiaries (in each case, when acting in such capacity) (collectively, the &#147;<U>Indemnified
Parties</U>&#148;) against any costs or expenses (including reasonable attorneys&#146; fees), judgments, fines, losses, claims, damages or liabilities incurred in connection with any claim, action, suit, proceeding or investigation, whether civil,
criminal, administrative or investigative, arising out of actions or omissions occurring at or prior to the Effective Time, including the transactions contemplated by this Agreement, and Parent and the Surviving Corporation shall also advance
expenses as incurred to the fullest extent permitted under applicable Law; <U>provided</U> that the Indemnified Party to whom expenses are advanced provides an undertaking to repay such advances if it is ultimately determined that such Indemnified
Party is not entitled to indemnification. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior to the Closing, the
Company shall purchase director&#146;s and officer&#146;s liability insurance (&#147;<U>D&amp;O Insurance</U>&#148;) tail coverage that serves to reimburse the present and former officers and directors of the Company or any of its Subsidiaries
(determined as of the Effective Time) with respect to claims against such directors and officers arising from facts or events occurring before the Effective Time (including the transactions contemplated by this Agreement) for a term of six
(6)&nbsp;years following the Effective Time, which insurance will contain at least the same coverage and amounts, and contain terms and conditions no less advantageous to the Indemnified Party as that coverage currently provided by the Company;
provided that cost such insurance, when combined with all other Transaction Costs, shall not cause the Transaction Costs to exceed the limit set forth in Section&nbsp;7.2(j). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any Indemnified Party wishing to claim indemnification under
Section&nbsp;6.7(a), upon learning of any claim, action, suit, proceeding or investigation described above, will promptly notify Parent or the Surviving Corporation thereof; <U>provided</U> that failure to so notify will not affect the obligations
of Parent or the Surviving Corporation under Section&nbsp;6.7(a) unless and to the extent that Parent or the Surviving Corporation is actually and materially prejudiced as a consequence. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The provisions of this Section&nbsp;6.7 are intended to be for the benefit of,
and shall be enforceable by, each director or officer of Company and his or her heirs and representatives and shall be binding on the successors and assigns of Parent and the Surviving Corporation. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that either Parent or Citizens Business Bank, or any of their
respective successors or assigns (i)&nbsp;consolidates with or merges into any other person and shall not be the continuing or surviving corporation or entity of such consolidation or merger or (ii)&nbsp;transfers all or substantially all of its
properties and assets to any person, then, and in each such case, proper provision shall be made so that the successors and assigns of Parent and/or Citizens Business Bank, as applicable, shall assume the obligations set forth in this
Section&nbsp;6.7. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exemption from Liability Under Rule 16(b)-3</U>. Prior to
the Effective Time, Parent and the Company shall each take all such steps as may be necessary or appropriate to cause any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">56 </P>


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disposition of shares of the Company Common Stock or conversion of any derivative securities in respect of such shares of the Company Common Stock in connection with the consummation of the
transactions contemplated by this Agreement to be exempt under Rule 16b-3 promulgated under the Exchange Act. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Solicitation</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company agrees that none of it or any of its officers, directors and
employees will, and it will cause its and its officers, directors, agents, representatives, advisors and Affiliates not to, initiate, solicit, encourage or knowingly facilitate any inquiries or the making of proposals with respect to, or engage in
any negotiations concerning, or provide any confidential or nonpublic information or data to, or have any discussions with, any Person relating to, any Acquisition Proposal made by a Person (other than Parent or Citizens Business Bank) to Company or
any of its officers, directors, agents, representatives, advisors and Affiliates (a &#147;<U>Company Acquisition Proposal</U>&#148;) or otherwise facilitate any effort to attempt or make or implement a Company Acquisition Proposal. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary contained in this Agreement, if at
any time after the date hereof and prior to, but not after, obtaining the Company Shareholder Approval, the Company receives a bona fide Company Acquisition Proposal and such Company Acquisition Proposal did not result from a breach of this
Section&nbsp;6.9, and the Board of Directors of the Company concludes, in good faith, that such Company Acquisition Proposal constitutes, or is reasonably expected to result in, a Company Superior Proposal, then the Company and its Board of
Directors may, and may permit its representatives to, furnish or cause to be furnished nonpublic information and participate in such negotiations or discussions to the extent that the Board of Directors of the Company concludes in good faith (and
after conferring with outside legal counsel and its financial advisors) that the failure to take such action would breach or would be more likely than not to result in a breach of its fiduciary duties to shareholders; <U>provided</U> that prior to
providing any nonpublic information permitted to be provided pursuant to the foregoing proviso or engaging in any negotiations, it shall have entered into a confidentiality agreement with such third party on terms no less restrictive in the
aggregate to the counterparty than those contained in the Confidentiality Agreement and which expressly permits the Company to comply with its obligations pursuant to this Section&nbsp;6.9. Subject to the foregoing and Section&nbsp;6.9(c) below, the
Company will immediately cease and cause to be terminated any activities, discussions or negotiations conducted before the date of this Agreement with any persons other than Parent with respect to any Company Acquisition Proposal and will use its
commercially reasonable efforts, subject to applicable Law, to (i)&nbsp;enforce any confidentiality or similar agreement relating to a Company Acquisition Proposal and (ii)&nbsp;within ten (10)&nbsp;Business Days after the date hereof, request and
confirm the return or destruction of any confidential information provided to any Person (other than Parent and its Affiliates) pursuant to any such confidentiality or similar agreement). The Company will promptly (and in any event within two
(2)&nbsp;Business Days) advise Parent following receipt of any Company Acquisition Proposal, any discussions or negotiations are sought to be initiated or continued or any request for nonpublic information or inquiry that would reasonably be
expected to lead to any Company Acquisition Proposal and the substance thereof (including the identity of the Person making such Company Acquisition Proposal), and will keep Parent promptly apprised of any related developments, discussions and
negotiations (including the terms and conditions of any such request, inquiry or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">57 </P>


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Company Acquisition Proposal, or all amendments or proposed amendments thereto) on a current basis (it being understood that for the avoidance of doubt that no such communications to Parent shall
be deemed an Adverse Change of Recommendation). The Company agrees that it shall contemporaneously provide to Parent any confidential or nonpublic information concerning the Company that may be provided to any other Person in connection with any
Company Acquisition Proposal which has not previously been provided to Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) None of the Board of Directors of the Company or any committee thereof
shall: (A)&nbsp;except as expressly permitted by, and after compliance with, Section&nbsp;6.9(c)(ii)(B) hereof, make any Adverse Change of Recommendation; or (B)&nbsp;cause or permit the Company to enter into any letter of intent, memorandum of
understanding, agreement in principle, acquisition agreement, merger agreement or other agreement (other than a confidentiality agreement referred to in Section&nbsp;6.9(b) entered into in compliance with Section&nbsp;6.9(b)) relating to any Company
Acquisition Proposal made to the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary
contained in this Agreement, at any time prior to, but not after, obtaining the Company Shareholder Approval, the Board of Directors of the Company may make an Adverse Change of Recommendation or terminate this Agreement pursuant to
Section&nbsp;8.1(d) if the Company receives a Company Acquisition Proposal that is not withdrawn and the Board of Directors of the Company concludes in good faith that such Company Acquisition Proposal constitutes a Company Superior Proposal;
<U>provided</U> that: </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:9%; text-indent:19%; font-size:12pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Company provides Parent prior
written notice at least five (5)&nbsp;Business Days prior to taking such action, which notice shall state that the Board of Directors of the Company has received a Company Superior Proposal and, absent any revision to the terms and conditions of
this Agreement, the Board of Directors of the Company has resolved to effect an Adverse Change of Recommendation or to terminate this Agreement pursuant to Section&nbsp;8.1(d), as applicable, which notice shall specify the basis for such Adverse
Change of Recommendation or termination, including the material terms of the Company Superior Proposal (a &#147;<U>Notice of Superior Proposal</U>&#148;) (it being understood for the avoidance of doubt that such Notice of Superior Proposal shall not
be deemed an Adverse Change of Recommendation); </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:9%; text-indent:19%; font-size:12pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;during
such five (5)-Business Day period (and, with respect to any modifications to any Company Acquisition Proposal, an additional five (5)&nbsp;Business Day periods), the Company negotiates in good faith with Parent (to the extent that Parent wishes to
negotiate) to enable Parent to make an improved offer that is favorable to the shareholders of the Company so that such Company Acquisition Proposal would cease to constitute a Company Superior Proposal; and </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:9%; text-indent:19%; font-size:12pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;at the end of such five (5)-Business Day period(s) (or such
earlier time that Parent advises the Company that it no longer wishes to negotiate to amend this Agreement), the Board of Directors of the Company, after taking into account any modifications to the terms of this Agreement and the Merger agreed to
by Parent after receipt of such notice, continues to believe that such Company Acquisition Proposal constitutes a Company Superior Proposal. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">58 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As used in this Agreement,
&#147;<U>Acquisition Proposal</U>&#148; means a tender or exchange offer, proposal for a merger, consolidation or other business combination involving the party or any of its Subsidiaries or any proposal or offer to acquire in any manner more than
10% of the voting power in, or more than 10% of the fair market value of the business, assets or deposits of, the party or any of its Subsidiaries or any public announcement of a proposed plan or intention to do any of the foregoing or any
agreements to engage in any of the foregoing, other than the transactions contemplated by this Agreement and any sale of whole loans and securitizations in the ordinary course. As used in this Agreement, &#147;<U>Company Superior Proposal</U>&#148;
means an unsolicited bona fide written Company Acquisition Proposal that did not otherwise result from a breach of this Section&nbsp;6.9, that the Board of Directors of the Company concludes in good faith to be more favorable from a financial point
of view to its shareholders than the Merger and the other transactions contemplated hereby and to be reasonably capable of being consummated on the terms proposed, (i)&nbsp;after receiving the advice of its financial advisors (who shall be Keefe,
Bruyette&nbsp;&amp; Woods, Inc. or another a nationally recognized investment banking firm), (ii)&nbsp;after taking into account the likelihood of consummation of such transaction on the terms set forth therein and (iii)&nbsp;after taking into
account all legal, financial (including the financing terms of any such proposal), regulatory and other aspects of such proposal (including any expense reimbursement provisions and conditions to closing) and any other relevant factors permitted
under applicable Law, and after taking into account any amendment or modification to this Agreement agreed to by Parent; <U>provided</U> that for purposes of the definition of &#147;<U>Company Superior Proposa</U>l,&#148; the references to
&#147;more than 10%&#148; in the definition of the Company Acquisition Proposal shall be deemed to be references to &#147;50%.&#148; </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Takeover Laws</U>. No party will take any action that would cause the transactions
contemplated by this Agreement to be subject to requirements imposed by any Takeover Law and each of them will take all necessary steps within its control to exempt (or ensure the continued exemption of) the transactions contemplated by this
Agreement from, or if necessary challenge the validity or applicability of, any applicable Takeover Law, as now or hereafter in effect. If any Takeover Laws becomes applicable to this Agreement or the transactions contemplated hereby or thereby,
including the Merger, the parties shall take all reasonable action necessary to ensure that the transactions contemplated by this Agreement, including the Merger, may be consummated as promptly as practicable on the terms contemplated hereby and
otherwise to minimize the effect of such Takeover Law on this Agreement or the transactions contemplated hereby, including the Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Schedule Updates</U>. Not later than the twenty-fifth (25th)&nbsp;day of each calendar month
between the date of this Agreement and the Closing Date, and at least seven (7)&nbsp;Business Days prior to the Closing, the Company shall provide to Parent a supplemental Company Disclosure Schedule reflecting any required changes thereto between
the date of this Agreement and the Closing Date which would have been required to be set forth or described in such disclosure schedule or which is necessary to correct any information in any Company representation or warranty or such disclosure
schedule which has been rendered inaccurate thereby (with Schedule 3.25(e) to be updated with respect to Loans as of the last Business Day of the last calendar month prior to the Closing Date. Delivery of such supplemental disclosure schedules shall
not cure a breach or modify a representation or warranty of this Agreement or for determining the satisfaction of any conditions to consummation of the transactions contemplated by this Agreement, or otherwise affect the respective rights,
obligations, representations, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">59 </P>


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warranties, covenants or agreements of the parties hereto. Any information set forth in any one section of the Company Disclosure Schedules shall be deemed to apply to each other applicable
section or subsection of the Company Disclosure Schedules, respectively, if its relevance to the information called for in such section or subsection is reasonably apparent on its face notwithstanding the omission of any cross-reference to such
other section. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notification of Certain Matters</U>. In addition to the covenants set
forth in Section&nbsp;6.3(b) herein, the Company and Parent will give prompt notice to the other of any fact, event or circumstance known to it that (a)&nbsp;is reasonably likely, individually or taken together with all other facts, events and
circumstances known to it, to result in any Material Adverse Effect with respect to it or (b)&nbsp;would cause or constitute a breach of any of its representations, warranties, covenants or agreements contained herein that reasonably could be
expected to give rise, individually or in the aggregate, to a failure of a condition in Article VII. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Third-Party Agreements</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The parties shall use commercially reasonable efforts to obtain (i)&nbsp;the
consents or waivers required to be obtained from any third parties in connection with the Merger and the other transactions contemplated hereby (in such form and content as mutually agreed by the parties) promptly after the date of this Agreement
and (ii)&nbsp;the cooperation of such third parties to effect a smooth transition in accordance with the parties&#146; timetable at or after the Effective Time. The Company shall use its commercially reasonable efforts to cooperate with Parent in
minimizing the extent to which any contracts to which the Company is a party will continue in effect following the Effective Time, in addition to complying with the prohibitions in Section&nbsp;5.2. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without limiting the generality of Section&nbsp;6.13(a), the Company shall use
commercially reasonable efforts to provide data processing, item processing and other processing support or outside contractors to assist Parent in performing all tasks reasonably required to result in a successful conversion of the data and other
files and records of the Company to Parent&#146;s production environment, in such a manner sufficient to ensure that a successful conversion will occur at the time (on or after the Effective Time) mutually agreed by the parties, subject to any
applicable Laws, including Laws regarding the exchange of information and other Laws regarding competition. Among other things, the Company shall: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;reasonably cooperate with Parent to establish a mutually agreeable project plan to
effectuate the conversion; </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;use its commercially reasonable efforts to have the
Company&#146;s outside contractors continue to support both the conversion effort and its ongoing needs until the conversion can be established; </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provide, or use its commercially reasonable efforts to obtain from any outside contractors, all data
or other files and layouts reasonably requested by Parent for use in planning the conversion, as soon as reasonably practicable; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">60 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:22%; font-size:12pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provide reasonable access to the Company&#146;s
personnel and facilities and, with the consent of its outside contractors, its outside contractors&#146; personnel and facilities, to enable the conversion effort to be completed on schedule; and </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:22%; font-size:12pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;give notice of termination, conditioned upon the completion of the transactions contemplated by this
Section&nbsp;6.13(b), of the contracts of outside data, item and other processing contractors or other third-party vendors to which the Company are bound when directed to do so by Parent. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent agrees that all actions taken pursuant to this Section&nbsp;6.13 shall be
taken in a manner intended to minimize disruption to the customary business activities of the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall use its reasonable best efforts to obtain the consents, approvals
or waivers from the agreements set forth in Section&nbsp;6.13(d) of the Company Disclosure Schedule and lessor estoppel certificates, in a form reasonably satisfactory to Parent, to all of the Company Leased Property not earlier than thirty
(30)&nbsp;calendar days nor later than five (5)&nbsp;calendar days prior to the Closing Date. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Pre-Closing Adjustments</U>.&nbsp;&nbsp;In addition to the adjustments otherwise required by this
Agreement, at or before the Effective Time, the Company shall make such additional accounting entries or adjustments, including charge-offs of loans, as Parent shall direct, in compliance with applicable Laws, in order to implement its plans
following the Closing or to reflect expenses and costs related to the Merger; <U>provided</U>, <U>however</U>, (i)&nbsp;the Company shall not be required to take such additional actions more than one (1)&nbsp;Business Day prior to the Closing or
prior to the time Parent agrees in writing that all of the conditions to its obligations to close as set forth in Article VII have been satisfied or waived, and (ii)&nbsp;based upon consultation with counsel and accountants for the Company, no such
additional adjustment shall (A)&nbsp;require any filing with any Governmental Entity, or (B)&nbsp;violate any Law applicable to the Company. Any such pre-closing adjustments that the Company shall direct shall be disregarded for purposes of
determining the satisfaction of the conditions set forth in Section&nbsp;7.2(j) hereof and as deductions or credits to the calculation of the Aggregate Cash Amount. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">6.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder Litigation and Protests</U>.&nbsp;&nbsp;The Company shall promptly advise Parent orally and
in writing of any shareholder litigation or community-based protests against the Company or its directors relating to this Agreement, the Merger or any of the other transactions contemplated hereby and thereby (an &#147;<U>Adverse Shareholder
Action</U>&#148;) and shall keep Parent fully informed regarding any such shareholder litigation, including providing all relevant documentation. The Company shall consult with Parent and give good faith consideration of its comments and advice and
give Parent the opportunity to participate in the defense or settlement of any such litigation, provided that Parent shall pay its own expenses, subject to applicable Law. No settlement (&#147;<U>Settlement</U>&#148;) in connection with such Adverse
Shareholder Action shall be agreed to without Parent&#146;s prior written consent (which consent shall not be unreasonably withheld, conditioned or delayed). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">61 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>CONDITIONS PRECEDENT </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">7.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions to Each Party&#146;s Obligation to Effect the Merger</U>. The respective
obligations of the parties to effect the Merger shall be subject to the satisfaction at or prior to the Effective Time of the following conditions: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder Approval</U>. The Company Shareholder Approval shall have been obtained.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Form S-4</U>. The Form S-4 shall have become effective under the Securities Act
and no stop order suspending the effectiveness of the Form S-4 shall have been issued and no proceedings for that purpose shall have been initiated or threatened by the SEC. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Injunctions or Restraints; Illegality</U>. No order, injunction or decree issued by
any court or agency of competent jurisdiction or other Law preventing or making illegal the consummation of the Merger or any of the other transactions contemplated by this Agreement shall be in effect. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Minimum Parent Common Stock Consideration</U>.&nbsp;&nbsp;On the Closing Date, Parent
Common Stock must represent at least forty-two percent (42%)&nbsp;of the sum of (i)&nbsp;the Per Share Cash Amount plus (ii)&nbsp;the product of the Per Share Exchange Ratio multiplied by the closing price of Parent Common Stock on the Nasdaq Global
Select Market on such Business Day. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions to Obligations of Parent and Citizens
Business Bank</U>. The obligations of Parent and Citizens Business Bank to effect the Merger are also subject to the satisfaction, or waiver by Parent, at or prior to the Effective Time, of the following conditions: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties</U>. The representations and warranties of the Company
set forth in this Agreement shall be true and correct as of the date of this Agreement and as of the Effective Time as though made on and as of the Effective Time (except that representations and warranties that by their terms speak specifically as
of the date of this Agreement or another date shall be true and correct as of such date); <U>provided</U>, <U>however</U>, that no representation or warranty of the Company (other than the representations and warranties set forth in
(i)&nbsp;Sections 3.1(a), 3.2(b), 3.7, 3.8, 3.10, 3.11, 3.15, 3.16, 3.18, 3.23, 3.24, 3.25, 3.26, 3.28, 3.31, and 3.33 which shall be true and correct in all material respects, and (ii)&nbsp;Section&nbsp;3.2(a), 3.3(a), and 3.3(b), which shall be
true and correct in all respects) shall be deemed untrue or incorrect for purposes hereunder as a consequence of the existence of any fact, event or circumstance inconsistent with such representation or warranty, unless such fact, event or
circumstance, individually or taken together with all other facts, events or circumstances inconsistent with any representation or warranty of the Company has had or would reasonably be expected to result in a Material Adverse Effect on the Company
or the Surviving Corporation; provided further, that for purposes of determining whether a representation or warranty is true and correct for purposes of this Section&nbsp;7.2(a) any qualification or exception for, or reference to, materiality
(including the terms &#147;material,&#148; &#147;materially,&#148; &#147;in all material respects,&#148; &#147;Material Adverse Effect&#148; or similar terms or phrases) in any such representation or warranty shall be
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">62 </P>


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disregarded; and Parent shall have received a certificate signed on behalf of the Company by the Chief Executive Officer or the Chief Financial Officer of the Company to the foregoing effect.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Performance of Obligations of the Company</U>. The Company shall have performed in
all material respects all obligations required to be performed by it under this Agreement at or prior to the Effective Time; and Parent shall have received a certificate signed on behalf of the Company by the Chief Executive Officer or the Chief
Financial Officer of the Company to such effect. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax Opinion</U>. Parent shall
have received an opinion of Manatt, Phelps&nbsp;&amp; Phillips, LLP, dated the Closing Date and based on facts, representations and assumptions described in such opinion, to the effect that the Merger will qualify as a &#147;reorganization&#148;
within the meaning of Section&nbsp;368(a) of the Code. In rendering such opinion, Manatt, Phelps&nbsp;&amp; Phillips, LLP, will be entitled to receive and rely upon customary certificates and representations of officers of Parent and the Company.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory Approvals</U>. (i)&nbsp;All consents, registrations, approvals, permits
and authorizations required to be obtained prior to the Effective Time by the Company or Parent (or any of its Subsidiaries) from the Federal Reserve, the FDIC, the Commissioner and Nasdaq and (ii)&nbsp;any other regulatory approvals set forth in
Sections 3.4 and 4.4 the failure of which to be obtained would reasonably be expected to have a Material Adverse Effect on Parent or the Company, in each case required to consummate the transactions contemplated by this Agreement, including the
Merger, shall have been obtained and shall remain in full force and effect and all statutory waiting periods in respect thereof shall have expired (all such approvals and the expiration of all such waiting periods being referred to as the
&#147;<U>Requisite Regulatory Approvals</U>&#148;), and none of such consents, registrations, approvals, permits and authorizations shall contain any Materially Burdensome Regulatory Condition. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dissenting Shareholders</U>. Holders of not more than eight percent (8%)&nbsp;of the
outstanding shares of Company Common Stock shall have duly exercised their dissenters&#146; rights under Section&nbsp;1300 of the CGCL or otherwise have the capacity to exercise such dissenters&#146; rights in accordance with Section&nbsp;1300 of
the CGCL. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Material Adverse Effect</U>. Since the date hereof, no event shall
have occurred or circumstance arisen that, individually or taken together with all other facts, circumstances or events, has had or is reasonably likely to have a Material Adverse Effect with respect to the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Third Party Consents</U>. The Company shall have obtained each of the consents listed
in Schedule 3.16(b) of the Company Disclosure Schedule and any consents of the type required to be identified in Schedule 3.16(b) of the Company Disclosure Schedule but were not so identified as of the date of this Agreement. A copy of each such
consent shall have been delivered to the Parent. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Directors&#146;
Resignations</U>.&nbsp;&nbsp;Parent shall have received the written resignation of each director of the Company (in such director&#146;s capacity as a director) effective as of the Effective Time. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">63 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Agreements of Directors and Certain
Officers and Employees</U>.&nbsp;&nbsp;Parent shall have received, as of the date of this Agreement, a Non-Competition and Non-Solicitation Agreement in the form of <U>Exhibit C-1</U> or <U>Exhibit C-2</U> from each member of the Company Board of
Directors and each of the officers of the Company as indicated on <U>Attachment 1</U> to<U> Exhibit C-1</U> and <U>Exhibit C-2</U>, and no action shall have been taken by any such person to rescind, terminate or breach any such agreement as of the
Closing Date. Parent shall have received a release, in a form reasonably acceptable to Parent, from each officer of the Company who is entitled to receive a Change of Control Payment to the extent required by the agreement which gives rise to such
payment. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial Measures</U>.&nbsp;&nbsp;As of at least three
(3)&nbsp;Business Days prior to the Closing Date, Parent shall have received satisfactory evidence that each of the following minimum financial threshold amounts has been met as of the Measurement Date: (i)&nbsp;Total Loans shall not be less than
$150,000,000; (ii)&nbsp;Total Net Equity shall not be less than $24,000,000; (iii)&nbsp;each of Average Demand Deposits and Total Demand Deposits shall not be less than $75,000,000. In addition, the Transaction Costs shall not exceed $3,300,000 and
the Change in Control Payments shall not exceed the amount as described in Section&nbsp;7.2(l)(vi) of the Company Disclosure Schedule. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expense Report; Transaction Costs</U>.&nbsp;&nbsp;The Company shall have caused its
attorneys, accountants, auditors and investment bankers which rendered services to Company in connection with the transactions contemplated by this Agreement (collectively, the &#147;<U>Advisors</U>&#148;) to have submit to the Company estimates of
their fees and expenses for all services rendered in any respect in connection with the transactions contemplated hereby and their reasonable estimates of the amounts of the fees and expenses they expect to incur up to and including the Closing Date
at least five (5)&nbsp;Business Days prior to the Closing Date. The Company shall have prepared and submitted to Parent no later than five (5)&nbsp;Business Days prior to the Closing Date a final calculation of all Transaction Costs, certified by
Company&#146;s Chief Financial Officer with support for all items therein in a form and substance reasonable to Parent. The Company shall have caused the Advisors to submit their final bills for such fees and expenses to the Company for services
rendered prior to the Closing Date. Based on such summary, the Company shall have prepared and submitted a final calculation of such fees and expenses, and the Company, shall have accrued and paid the amount of such fees and expenses as calculated
above. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Agreement, </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:15%; text-indent:7%; font-size:12pt; font-family:Times New Roman">(i) &#147;<U>Average Demand Deposits</U>&#148; means the average of the Company&#146;s total demand deposits over the 30-day
period ending on the last day of the month immediately preceding the month in which the Closing Date occurs. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:15%; text-indent:7%; font-size:12pt; font-family:Times New Roman">(ii)
&#147;<U>Measurement Date</U>&#148; means the date that is five (5)&nbsp;Business Days prior to the Closing Date. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:15%; text-indent:7%; font-size:12pt; font-family:Times New Roman">(iii)
&#147;<U>Total Net Equity</U>&#148; means the total shareholders&#146; equity of the Company as determined on the Measurement Date and calculated in the same manner as shown on the Company&#146;s quarterly Call Report as filed with its primary
banking regulator for the period ended June&nbsp;30, 2015 but after adding </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">64 </P>


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back (on a tax-adjusted basis, and only to the extent such expense has been paid or accrued), (A)&nbsp;all Transaction Costs, (B)&nbsp;all payments on account of any Settlement in accordance with
Section&nbsp;6.15 and legal fees or other costs incurred by Company in connection with any Adverse Shareholder Action in excess of $50,000, (C)&nbsp;all Option Consideration and (D)&nbsp;all pre-closing adjustments effectuated in accordance with
Section&nbsp;6.14. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:15%; text-indent:7%; font-size:12pt; font-family:Times New Roman">(iv) &#147;<U>Total Demand Deposits</U>&#148; means the Company&#146;s total demand deposits as of
the last day of the month immediately preceding the month in which the Closing Date occurs. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:15%; text-indent:7%; font-size:12pt; font-family:Times New Roman">(v) &#147;<U>Total
Loans</U>&#148; means the Company&#146;s gross Loans, net of deferred fees and discounts as of the last day of the month immediately preceding the month in which the Closing Date occurs. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:15%; text-indent:7%; font-size:12pt; font-family:Times New Roman">(vi) &#147;<U>Transaction Costs</U>&#148; means the following expenses, costs and fees to be paid or incurred by the Company
(or any of its Affiliates or successors thereto) in connection with consummation of the transactions described herein, (1)&nbsp;any contract termination fees payable to vendors as to which Parent has provided its agreement to terminate as of the
Effective Time or such other time as may be appropriate including, without limitation, the costs and expenses of terminating data processing licenses and contracts identified on Company Disclosure Schedule Section&nbsp;7.2(l)(vi) to the extent
actually paid up to the Effective Time, (2)&nbsp;Change in Control Payments, which shall not exceed the amount described in Company Disclosure Schedule 7.2(l)(vi), (3)&nbsp;legal fees and expenses rendered solely in connection with the transaction
contemplated by this Agreement, up to the amounts set forth in Company Disclosure Schedule 7.2(l)(vi), (4)&nbsp;accounting and valuation fees and expenses rendered solely in connection with the transactions contemplated by this Agreement,
(5)&nbsp;investment banking and financial advisory fees and expenses, (6)&nbsp;Retention Incentives paid or payable through the Effective Time, (7)&nbsp;D&amp;O Insurance premiums and costs, and (8)&nbsp;the costs of printing and mailing the Proxy
Statement and soliciting the Company Shareholder Approval. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>FIRPTA
Certificate</U>.&nbsp;&nbsp;The Company shall have delivered to Parent a properly executed statement from the Company meeting the requirements of Treasury Regulations Sections 1.1445-2(c)(3) and 1.897-2(h)(1), dated as of the Closing Date. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consulting Agreement.</U>&nbsp;&nbsp;The Company&#146;s chief executive officer shall have
entered into a one-year consulting agreement with Citizens Business Bank in the form of Schedule 7.2(n). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">7.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions to Obligations of the Company</U>. The obligation of the Company
to effect the Merger is also subject to the satisfaction or waiver by the Company at or prior to the Effective Time of the following conditions: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">65 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties</U>. The
representations and warranties of Parent set forth in this Agreement shall be true and correct as of the date of this Agreement and as of the Effective Time as though made on and as of the Effective Time (except that representations and warranties
that by their terms speak specifically as of the date of this Agreement or another date shall be true and correct as of such date); <U>provided</U>, <U>however</U>, that no representation or warranty of Parent (other than the representations and
warranties set forth in (i)&nbsp;Sections 4.1(a), 4.3(a), 4.3(b) and 4.7, which shall be true and correct in all material respects, and (ii)&nbsp;Section&nbsp;4.8, which shall be true and correct in all respects) shall be deemed untrue or incorrect
for purposes hereunder as a consequence of the existence of any fact, event or circumstance inconsistent with such representation or warranty, unless such fact, event or circumstance, individually or taken together with all other facts, events or
circumstances inconsistent with any representation or warranty of Parent has had or would reasonably be expected to result in a Material Adverse Effect on Parent; <U>provided</U>, <U>further</U>, that for purposes of determining whether a
representation or warranty is true and correct for purposes of this Section&nbsp;7.3(a), any qualification or exception for, or reference to, materiality (including the terms &#147;material,&#148; &#147;materially,&#148; &#147;in all material
respects,&#148; &#147;Material Adverse Effect&#148; or similar terms or phrases) in any such representation or warranty shall be disregarded; and the Company shall have received a certificate signed on behalf of Parent by the Chief Executive Officer
or the Chief Financial Officer of Parent to the foregoing effect. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Performance of
Obligations of Parent and Citizens Business Bank</U>. Parent and Citizens Business Bank shall have performed in all material respects all of their respective obligations required to be performed by them under this Agreement at or prior to the
Effective Time, and the Company shall have received a certificate signed on behalf of Parent and Citizens Business Bank by their respective Chief Executive Officers or the Chief Financial Officers to such effect. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax Opinion</U>.&nbsp;&nbsp;The Company shall have received an opinion of Buchalter
Nemer, a Professional Corporation, dated the Closing Date and based on facts, representations and assumptions described in such opinion, to the effect that the Merger will qualify as a &#147;reorganization&#148; within the meaning of
Section&nbsp;368(a) of the Code. In rendering such opinion, such firm will be entitled to receive and rely upon customary certificates and representations of officers of Parent and the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory Approvals</U>. All Requisite Regulatory Approvals shall have been obtained
and shall remain in full force and effect and all statutory waiting periods in respect thereof shall have expired. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Material Adverse Effect</U>. Since the date hereof, no event shall have occurred or
circumstance arisen that, individually or taken together with all other facts, circumstances or events, has had or is reasonably likely to have a Material Adverse Effect with respect to Parent. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment of Merger Consideration</U>.&nbsp;&nbsp;Parent shall have delivered or cause to
be delivered the Merger Consideration to the Exchange Agent and the Exchange Agent shall have confirmed such delivery in a manner reasonably acceptable to the Company. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">66 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Listing</U>.&nbsp;&nbsp;The shares
of Parent Common Stock to be issued in the Merger shall have been authorized for listing on the Nasdaq, subject to official notice of issuance. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VIII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>TERMINATION AND AMENDMENT </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">8.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>. This Agreement may be terminated at any time prior to the Effective Time,
whether before or after approval of the matters presented in connection with the Merger by the shareholders of the Company or Parent: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Mutual Consent</U> &#150; by mutual consent of the Company and Parent in a
written instrument authorized by the Boards of Directors of the Company and Parent; </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Either Party</U> &#150; by either the Company or Parent; </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:22%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Regulatory Approval</U> &#150; (A)&nbsp;if any Governmental Entity that must
grant a Requisite Regulatory Approval has (1)&nbsp;denied approval of the Merger and such denial has become final and nonappealable, or (2)&nbsp;advised Parent and/or Company in writing that it will not grant (or intends to rescind or revoke if
previously approved) any such Requisite Regulatory Approval and such denial has become final and nonappealable, or (B)&nbsp;any Governmental Entity of competent jurisdiction shall have issued a final and nonappealable order, injunction or decree
permanently enjoining or otherwise prohibiting or making illegal the consummation of the transactions contemplated by this Agreement; </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:22%; font-size:12pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delay</U> &#150; if the Merger shall not have been consummated on or before June&nbsp;30,
2016 (the &#147;<U>End Date</U>&#148;); <U>provided</U>, that the right to terminate this Agreement pursuant to this Section&nbsp;8.1(b)(ii) shall not be available to any party whose failure to perform or observe the covenants and agreements of such
party set forth in this Agreement resulted in the failure of the Merger to be consummated by the End Date; </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:22%; font-size:12pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Breach</U> &#150; if there shall have been a breach of any of the covenants or agreements or any
of the representations or warranties set forth in this Agreement on the part of the Company, in the case of a termination by Parent, or on the part of Parent or Citizens Business Bank, in the case of a termination by the Company, which breach,
either individually or in the aggregate with other breaches by such party, would result in, if occurring or continuing on the Closing Date, the failure of the conditions set forth in Section&nbsp;7.2 or 7.3, as the case may be, and which is not
cured within thirty (30)&nbsp;days following written notice to the party committing such breach or by its nature or timing cannot be cured within such time period (provided that the terminating party is not then in material breach of any
representation, warranty, covenant or other agreement contained herein); or </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:22%; font-size:12pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Company
Shareholder Approval</U> &#150; if the Company Shareholder Approval shall not have been obtained at the Company Shareholder Meeting duly convened therefor or at any adjournment or postponement thereof at which a vote on the adoption of this
Agreement was taken; <U>provided</U>, <U>however</U>, that no party may terminate this Agreement pursuant to this Section&nbsp;8.1(b)(iv) if such party has breached in any material respect any of its obligations under this Agreement, in each case in
a manner that caused the failure to obtain the Company </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">67 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
Shareholder Approval at the Company Shareholder Meeting, or at any adjournment or postponement thereof (it being agreed by the parties that the failure to obtain the Company Shareholder Approval
where there is no such breach shall not constitute a breach in and of itself. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Company Recommendation</U> &#150; by Parent, at any time prior to such time as the Company Shareholder Approval is obtained, in the event (A)&nbsp;the Company shall have breached in any material respect Section&nbsp;6.9; (B)&nbsp;the Company or the
Board of Directors of the Company shall have submitted this Agreement to its shareholders without a recommendation for approval, or otherwise withdraws or materially and adversely modifies (or discloses its intention to withdraw or materially and
adversely modify) its recommendation as contemplated by Section&nbsp;6.9(c), or recommends to its shareholders a Company Acquisition Proposal other than the Merger (an &#147;<U>Adverse Change of Recommendation</U>&#148;); (C)&nbsp;at any time after
the end of fifteen (15)&nbsp;Business Days following receipt of an Acquisition Proposal by the Company, the Board of Directors of the Company shall have failed to reaffirm its Company Board Recommendation as promptly as practicable (but in any event
within five (5)&nbsp;Business Days) after receipt of any written request to do so by Parent; or (D)&nbsp;a tender offer or exchange offer for outstanding shares of the Company Common Stock shall have been publicly disclosed (other than by Parent or
an Affiliate of Parent) and the Board of Directors of the Company recommends that its shareholders tender their shares in such tender or exchange offer or, within ten (10)&nbsp;Business Days after the commencement of such tender or exchange offer,
the Board of Directors of the Company fails to definitively recommend against acceptance of such offer; </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Superior Proposal</U> &#150; by the Company, prior to such time as the Company
Shareholder Approval is obtained, in order to enter into a definitive agreement providing for a Company Superior Proposal; <U>provided</U> that (i)&nbsp;the Company is not in material breach of any of the terms of this Agreement, and (ii)&nbsp;the
Company Termination Fee is paid to Parent in advance of or concurrently with such termination in accordance with Section&nbsp;8.3(b); or </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Parent Average Closing Price </U>&#150; (i)&nbsp;by Company, in its sole discretion, in
the event that the Parent Average Closing Price is less than $13.37 or (ii)&nbsp;by Parent, its sole discretion, in the event that the Parent Average Closing Price is greater than $20.05. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">8.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of Termination</U>. In the event of termination of this Agreement by either the Company
or Parent as provided in Section&nbsp;8.1, this Agreement shall forthwith become void and have no effect and none of the Company, Parent, any of its Subsidiaries or any of the officers or directors of any of them shall have any liability of any
nature whatsoever under this Agreement, or in connection with the transactions contemplated by this Agreement, except that (i)&nbsp;Sections 6.3(c), 8.2, 8.3, and 9.3 through 9.11 shall survive any termination of this Agreement, and
(ii)&nbsp;neither the Company nor Parent shall be relieved or released from any liabilities or damages arising out of its willful and material breach of any provision of this Agreement; <U>provided</U>, <U>however</U>, no party hereto shall seek to
obtain, or be entitled to, any recovery for consequential, indirect or punitive damages against any other party or any of such party&#146;s Subsidiaries, or any of their respective directors, officers, employees, attorneys, agents, advisers,
managers, or Affiliates in connection with the transactions contemplated hereby. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">68 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">8.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Fees and Expenses</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All fees and expenses incurred in connection with the Merger, this Agreement, and the
transactions contemplated by this Agreement (including costs and expenses of printing and mailing the Proxy Statement) shall be paid by the party incurring such fees or expenses, whether or not the Merger is consummated, except as otherwise provided
in Section&nbsp;8.3(b). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Termination Fee</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:22%; font-size:12pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that this Agreement is terminated by the Company pursuant to
Section&nbsp;8.1(d) (Company Superior Proposal) or Parent pursuant to Section&nbsp;8.1(c) (No Company Recommendation), then the Company shall pay Parent a fee, in immediately available funds, in the amount of $1,650,000.00 (the &#147;<U>Company
Termination Fee</U>&#148;) by wire transfer to an account specified by Parent promptly, but in any event prior to or concurrently with a termination pursuant to Section&nbsp;8.1(d) or no later than two (2)&nbsp;Business Days after the date of
termination pursuant to Section&nbsp;8.1(c). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:22%; font-size:12pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that any Person
shall have made a Company Acquisition Proposal, which proposal has been publicly announced, disclosed or proposed and not withdrawn, and: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:15%; text-indent:15%; font-size:12pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;thereafter this Agreement is terminated: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:23%; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by either party pursuant to Section&nbsp;8.1(b)(ii) (Delay), or
Section&nbsp;8.1(b)(iv) (No Company Shareholder Approval) but only if one or more of the following is true: (A)&nbsp;the Company has effected an Adverse Recommendation Change, (B)&nbsp;the Company has failed to hold the Company Shareholders Meeting
or otherwise breached any provision of Section&nbsp;6.9 or (C)&nbsp;the failure to obtain the Company Shareholder Results in whole or part from the breach of any of the Support Agreements by any of the shareholder parties thereto; or </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:23%; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by Parent pursuant to Section&nbsp;8.1(b)(iii) (Breach by Company), and
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:15%; text-indent:15%; font-size:12pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;within twelve (12)&nbsp;months after such termination of this
Agreement, a Company Acquisition Proposal shall have been consummated or any definitive agreement with respect to a Company Acquisition Proposal shall have been entered into (<U>provided</U> that for purposes of the foregoing, the term
&#147;<U>Company Acquisition Proposal</U>&#148; shall have the meaning assigned to such term in Section&nbsp;6.9(d) except that the references to &#147;more than 10%&#148; in the definition of Company Acquisition Proposal shall be deemed to be
references to &#147;50%&#148;); </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">then the Company shall pay Parent the Company Termination Fee by wire transfer to an account specified by Parent prior to
the earlier of the execution of a definitive agreement with respect to, or the consummation of, such Company Acquisition Proposal. In no event shall the Company be obligated to pay Parent the Company Termination Fee on more than one occasion or if
the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">69 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
Company has paid any damages for breach and in no event shall the Company be obligated to pay parent any damages if Company has paid the Company Termination Fee. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidated Damages</U>. The Company and Parent acknowledge that the agreements
contained in this Section&nbsp;8.3 are an integral part of the transactions contemplated by this Agreement, and that, without these agreements, neither party would enter into this Agreement. The amounts payable by the Company pursuant to
Section&nbsp;8.3(b) constitute liquidated damages and not a penalty and shall be the sole monetary remedy of Parent in the event of termination of this Agreement under such applicable section. In the event that the Company fails to pay when due any
amounts payable under this Section&nbsp;8.3, then (i)&nbsp;the party failing to so pay shall reimburse the other party for all costs and expenses (including disbursements and reasonable fees of counsel) incurred in connection with the collection of
such overdue amount, and (ii)&nbsp;the party failing to so pay shall pay to the other party interest on such overdue amount (for the period commencing as of the date that such overdue amount was originally required to be paid and ending on the date
that such overdue amount is actually paid in full) at a rate per annum equal to the prime rate published in <I>The Wall Street Journal </I>on the date such payment was required to be made. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">8.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment</U>. This Agreement may be amended by the parties, by action taken or authorized by their
respective Boards of Directors, at any time before or after approval of the matters presented in connection with the Merger by the shareholders of the Company; <U>provided</U>, <U>however</U>, that after any approval of the transactions contemplated
by this Agreement by such shareholders, there may not be, without further approval of such shareholders, any amendment of this Agreement that requires further approval under applicable Law. This Agreement may not be amended except by an instrument
in writing signed on behalf of each of the parties hereto. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">8.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Extension; Waiver</U>. At any time
prior to the Effective Time, the parties, by action taken or authorized by their respective Boards of Directors, may, to the extent legally allowed, (a)&nbsp;extend the time for the performance of any of the obligations or other acts of the other
party, (b)&nbsp;waive any inaccuracies in the representations and warranties contained in this Agreement or (c)&nbsp;waive compliance with any of the agreements or conditions contained in this Agreement. Any agreement on the part of a party to any
such extension or waiver shall be valid only if set forth in a written instrument signed on behalf of such party, but such extension or waiver or failure to insist on strict compliance with an obligation, covenant, agreement or condition shall not
operate as a waiver of, or estoppel with respect to, any subsequent or other failure. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IX </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>GENERAL PROVISIONS </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Closing</U>. On the terms and subject to conditions set forth in this Agreement, the closing of the
Merger (the &#147;<U>Closing</U>&#148;) shall take place at 10:00 a.m., Pacific Time, at the offices of Manatt, Phelps&nbsp;&amp; Phillips, LLP, counsel to Parent, on the last Business Day of the calendar month in which the last to be satisfied of
the conditions set forth in Article VII is satisfied (other than those conditions that by their nature are to be satisfied or waived at the Closing but subject to the satisfaction or waiver of those conditions), unless extended by mutual agreement
of the parties (the &#147;<U>Closing Date</U>&#148;). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">70 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-survival of Representations, Warranties and
Agreements</U>. This Article IX and the agreements of the Company and Parent contained in Section&nbsp;6.7 shall survive the consummation of the Merger. All other representations, warranties, covenants and agreements set forth in this Agreement
shall not survive the consummation of the Merger. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>. All notices and other
communications in connection with this Agreement shall be in writing and shall be deemed given if delivered personally, sent via facsimile (with confirmation), mailed by registered or certified mail (return receipt requested) or delivered by an
express courier (with confirmation) to the parties at the following addresses (or at such other address for a party as shall be specified by like notice): </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if to Parent or Citizens Business Bank, to: </P>
<P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="72%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt">


<TR>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="90%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">CVB Financial Corp. / Citizens Business Bank</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">701 North Haven Avenue</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">Ontario, California 91764</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Christopher D. Myers, President &amp; Chief</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="text-indent:2.00em; font-size:12pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;Executive Officer</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Facsimile:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(909) 481-2120</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">with a copy (which shall not constitute notice) to:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">Manatt, Phelps&nbsp;&amp; Phillips, LLP</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">One Embarcadero Center</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">San Francisco, California 94111</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Craig D. Miller, Esq.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">David Gershon, Esq.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Facsimile:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(415) 291-7474</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if to the Company, to: </P>
<P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="72%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt">


<TR>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="90%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">County Commerce Bank</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">2400 East Gonzales Road</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">Oxnard, California 93036</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Joseph D. Kreutz, President and<BR>&nbsp;&nbsp;Chief Executive Officer</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Facsimile:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(805) 477-7615</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">with a copy (which shall not constitute notice) to:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">Horgan, Rosen, Beckham&nbsp;&amp; Coren, L.L.P.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">23975 Park Sorrento, Suite 200</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">Calabasas, California 91302-4001</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Arthur A. Coren</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Professional Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Facsimile:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(818) 591-3838</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">71 </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interpretation</U>. When a reference is made in
this Agreement to Articles, Sections, Exhibits or Schedules, such reference shall be to an Article or Section of or Exhibit or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are
for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &#147;include,&#148; &#147;includes&#148; or &#147;including&#148; are used in this Agreement, they shall be deemed to be
followed by the words &#147;without limitation.&#148; References to &#147;the date hereof&#148; shall mean the date of this Agreement. As used in this Agreement, the phrase &#147;to the <U>Knowledge of the Company</U>&#148; means the actual
knowledge, after reasonable investigation, of any of the Company&#146;s officers listed on Section&nbsp;9.4 of the Company Disclosure Schedule, and the phrase &#147;<U>to the Knowledge of Parent</U>&#148; means the actual knowledge, after reasonable
investigation, of the Chief Executive Officer and Chief Financial Officer of Parent. For purposes of this definition, a &#147;reasonable investigation&#148; by a Person shall mean a review by the officer of such Person of documents and/or such other
information that is reasonably related to the performance of the job functions or oversight responsibilities of such officer. As used in this Agreement, &#147;<U>Person</U>&#148; or &#147;<U>Persons</U>&#148; means any individual, bank, corporation
(including not-for-profit), joint-stock company, general or limited partnership, limited liability company, joint venture, estate, business trust, trust, association, organization, Governmental Entity or other entity of any kind or nature. All
schedules and exhibits hereto shall be deemed part of this Agreement and included in any reference to this Agreement. As used in this Agreement, &#147;<U>Business Day</U>&#148; means Monday through Friday of each week, except a legal holiday
recognized as such by the United States federal government or any day on which banking institutions in the State of California are authorized or obligated to close. If any term, provision, covenant or restriction contained in this Agreement is held
by a court or a federal or state regulatory agency of competent jurisdiction to be invalid, void or unenforceable, the remainder of the terms, provisions and covenants and restrictions contained in this Agreement shall remain in full force and
effect, and shall in no way be affected, impaired or invalidated. If for any reason such court or regulatory agency determines that any provision, covenant or restriction is invalid, void or unenforceable, it is the express intention of the parties
that such provision, covenant or restriction be enforced to the maximum extent permitted. For the purposes of the first sentence of Section&nbsp;6.9(b) only, the &#147;fiduciary duties&#148; of the Company&#146;s Board of Directors shall be
interpreted in accordance with Delaware law. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>. This Agreement may be
executed in two or more counterparts (including by facsimile or other electronic means), all of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered
to the other party, it being understood that each party need not sign the same counterpart. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire Agreement</U>. This Agreement (including the documents and the instruments referred to
in this Agreement), together with the Confidentiality Agreement, constitutes the entire agreement and supersedes all prior agreements and understandings, both written and oral, between the parties with respect to the subject matter of this
Agreement, other than the Confidentiality Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law; Jurisdiction</U>.
This Agreement shall be governed by and construed in accordance with the Laws of the State of California, without giving effect to its principles of conflicts of Laws. The parties hereto agree that any suit, action or proceeding brought by either
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">72 </P>


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party to enforce any provision of, or based on any matter arising out of or in connection with, this Agreement or the transactions contemplated hereby shall be brought in any federal or state
court located in the State of California. Each of the parties hereto submits to the jurisdiction of any such court in any suit, action or proceeding seeking to enforce any provision of, or based on any matter arising out of, or in connection with,
this Agreement or the transactions contemplated hereby and hereby irrevocably waives the benefit of jurisdiction derived from present or future domicile or otherwise in such action or proceeding. Each party hereto irrevocably waives, to the fullest
extent permitted by Law, any objection that it may now or hereafter have to the laying of the venue of any such suit, action or proceeding in any such court or that any such suit, action or proceeding brought in any such court has been brought in an
inconvenient forum. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver of Jury Trial</U>. Each party hereto acknowledges and agrees
that any controversy that may arise under this Agreement, and in respect of the transactions contemplated hereby, is likely to involve complicated and difficult issues, and therefore each party hereby irrevocably and unconditionally waives any right
such party may have to a trial by jury in respect of any legal action, directly or indirectly, arising out of, or relating to, this Agreement or any documents referred to in this Agreement, or the transactions contemplated by this Agreement. Each
party certifies and acknowledges that (a)&nbsp;no representative, agent or attorney of any other party has represented, expressly or otherwise, that such other party would not, in the event of litigation, seek to enforce the foregoing waiver,
(b)&nbsp;each party understands and has considered the implications of this waiver, (c)&nbsp;each party makes this waiver voluntarily, and (d)&nbsp;each party has been induced to enter into this Agreement by, among other things, the mutual waivers
and certifications in this Section&nbsp;9.8. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Publicity</U>. None of the Company, Parent
or Citizens Business Bank shall, and none of the Company, Parent nor Citizens Business Bank shall permit any of their respective Subsidiaries to, issue or cause the publication of any press release or other public announcement with respect to, or
otherwise make any public statement, or, except as otherwise specifically provided in this Agreement, any disclosure of nonpublic information to a third party, concerning, the transactions contemplated by this Agreement without the prior consent
(which shall not be unreasonably withheld, conditioned, or delayed) of Parent, in the case of a proposed announcement, statement or disclosure by the Company, or the Company, in the case of a proposed announcement, statement or disclosure by Parent
or Citizens Business Bank; <U>provided</U>, <U>however</U>, that any of either the Company, on the one hand, or Parent or Citizens Business Bank, on the other, may, without the prior consent of the other party (but after prior consultation with the
other party to the extent practicable under the circumstances) issue or cause the publication of any press release or other public announcement to the extent required by Law or by the applicable rules and regulations of the Nasdaq. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment; Third-Party Beneficiaries</U>. Neither this Agreement nor any of the rights, interests or
obligations under this Agreement shall be assigned by either of the parties without the prior written consent of the other party (which shall not be unreasonably withheld or delayed). Any purported assignment in contravention hereof shall be null
and void. Subject to the preceding sentence, this Agreement shall be binding upon, inure to the benefit of and be enforceable by each of the parties and their respective successors and permitted assigns. Except for Section&nbsp;6.7, which is
intended to benefit each Indemnified Party and his or her heirs and representatives, nothing in this Agreement, expressed or implied, is intended to confer upon any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">73 </P>


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person, other than the parties hereto or their respective successors, any rights, remedies, obligations or liabilities under or by reason of this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific Performance</U>. The parties agree that irreparable damage would occur in the event that any of
the provisions of this Agreement were not performed in accordance with their specific terms. It is accordingly agreed that, except as specifically set forth Section&nbsp;8.3(c), each party acknowledges that money damages would be an insufficient
remedy for any breach of this Agreement by such party and that such party would cause the other party hereto irreparable harm and that, accordingly, each party also agrees that in the event of any breach or threatened breach of this Agreement by
such party, the other party shall be entitled to equitable relief without the requirement of posting a bond or other security, including in the form of injunctions and specific performance of the terms hereof, this being in addition to any other
remedies to which such party is entitled at Law or in equity. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">9.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Disclosure Schedule</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Before entry into this Agreement, the Company delivered to Parent a schedule (a
&#147;<U>Company Disclosure Schedule</U>&#148;) which sets forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an
exception to one or more representations or warranties contained in Article III or to one or more covenants contained herein; <U>provided</U>, <U>however</U>, that notwithstanding anything in this Agreement to the contrary, the mere inclusion of an
item as an exception to a representation or warranty shall not be deemed an admission that such item represents a material exception or material fact, event or circumstance or that such item has had or would be reasonably likely to have a Material
Adverse Effect. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Agreement, when used with respect to the
Company, &#147;<U>Previously Disclosed</U>&#148; means, for the Company, information set forth by the Company in the applicable paragraph of the Company Disclosure Schedule or any other paragraph of its Company Disclosure Schedule (so long as it is
reasonably clear from the context that the disclosure in such other paragraph of its Company Disclosure Schedule is also applicable to the section of this Agreement in question) and, when used with respect to Parent, means information concerning
Parent set forth in the Parent SEC Reports. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">[Signature page follows] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">74 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman"><B>IN WITNESS WHEREOF</B>, the parties have caused this Agreement to be executed by their
respective officers thereunto duly authorized as of the date first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt">


<TR>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="85%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">CVB FINANCIAL CORP.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="57"></TD>
<TD HEIGHT="57" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">/s/ Christopher D. Myers</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;Christopher D. Myers</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;President&nbsp;&amp;&nbsp;Chief&nbsp;Executive&nbsp;Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="57" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">CITIZENS BUSINESS BANK</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="57"></TD>
<TD HEIGHT="57" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">/s/ Christopher D. Myers</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;Christopher D. Myers</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;President &amp; Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="57" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">COUNTY COMMERCE BANK</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="57"></TD>
<TD HEIGHT="57" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">/s/ Joseph D. Kreutz</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;Joseph D. Kreutz</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;President&nbsp;and&nbsp;Chief&nbsp;Executive&nbsp;Officer</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">75 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right"><B><U>EXHIBIT A </U></B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>VOTING AND SUPPORT AGREEMENT </B></P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">This VOTING AND SUPPORT AGREEMENT (this &#147;<U>Agreement</U>&#148;) is made and entered into as of October&nbsp;14, 2015 by
and among CVB Financial Corp., a California corporation (&#147;<U>Parent</U>&#148;), and the shareholder of County Commerce Bank, a California corporation (the &#147;<U>Company</U>&#148;), that is a signatory to this Agreement (the
&#147;<U>Shareholder</U>&#148;), and solely for purposes of the last sentence of <U>Section&nbsp;7</U>, the Company. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>Recitals </U></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Parent and Company have entered into that certain
Agreement and Plan of Merger and Reorganization (and as it may be amended, the &#147;<U>Merger Agreement</U>&#148;), dated as of the date of this Agreement, pursuant to which the Company will merge (the &#147;<U>Merger</U>&#148;) with and into
Citizens Business Bank, a California corporation and wholly-owned subsidiary of Parent, whereupon each share of the Company&#146;s common stock (&#147;<U>Company Common Stock</U>&#148;) will be converted into the right to receive the consideration
set forth in the Merger Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As a condition to
their willingness to enter into the Merger Agreement, Parent and Citizens Business Bank have required that each director of the Company, solely in his or her capacity as a shareholder and beneficial owner or record holder of Company Common Stock,
enter into, and the Shareholder has agreed to enter into, this Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">NOW, THEREFORE, in consideration of the
foregoing, for good and valuable consideration, the parties hereby agree as follows: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties of the
Shareholder</U>.&nbsp;&nbsp;The Shareholder hereby represents and warrants to Parent as follows: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authority; No Violation</U>.&nbsp;&nbsp;The Shareholder has all
necessary power and authority to enter into and perform all of the Shareholder&#146;s obligations hereunder. The execution, delivery and performance of this Agreement by the Shareholder will not violate any other agreement to which the Shareholder
is a party, including any voting agreement, shareholders&#146; agreement, trust agreement or voting trust. This Agreement has been duly and validly executed and delivered by the Shareholder (and the Shareholder&#146;s spouse, if the Shares (as
defined below) constitute community property) and constitutes a valid and binding agreement of the Shareholder and such spouse, enforceable against the Shareholder and the Shareholder&#146;s spouse in accordance with its terms. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Ownership of Shares</U>.&nbsp;The Shareholder is the beneficial owner
or record holder of the number of shares of Company Common Stock indicated under the Shareholder&#146;s name on the signature page hereto (the &#147;<U>Existing Shares</U>&#148;, and together with any shares of Company Common Stock acquired by the
Shareholder after the date of this Agreement, the &#147;<U>Shares</U>&#148;) and, as of the date of this Agreement, the Existing Shares constitute all the shares of Company Common Stock owned of record or beneficially by the Shareholder. With
respect to the Existing Shares, subject to applicable community property laws, the Shareholder has sole </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">A-1 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="justify">
voting power and sole power to issue instructions with respect to the matters set forth in <U>Section&nbsp;2</U> of this Agreement, sole power of disposition, sole power to demand appraisal
rights and sole power to engage in actions set forth in <U>Section&nbsp;2</U> of this Agreement, with no restrictions on the voting rights, rights of disposition or otherwise, subject to applicable laws and the terms of this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting Agreement and Agreement Not to Transfer</U>.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From the date of this Agreement until the Termination Date (as
defined in Section&nbsp;8 below) (the &#147;<U>Support Period</U>&#148;), the Shareholder hereby agrees to vote all of the Shares held by the Shareholder (i)&nbsp;in favor of the Merger, the Merger Agreement and the transactions contemplated by this
Agreement at any meeting of shareholders of Company (and at any adjournment or postponement thereof), and in connection with any action of the shareholders of the Company taken by written consent, (ii)&nbsp;against any action or agreement that would
result in a breach in any material respect of any covenant, representation or warranty or any other obligation or agreement of Company under this Agreement or the Merger Agreement, and (iii)&nbsp;except with the prior written consent of Parent or as
otherwise contemplated in or permitted by the Merger Agreement, against the following actions (other than the Merger and the transactions contemplated by the Merger Agreement): (A)&nbsp;any extraordinary corporate transactions, such as a merger,
consolidation or other business combination involving the Company; or (B)&nbsp;any sale, lease or transfer of a material amount of the assets of the Company. During the Support Period, the Shareholder shall not enter into any agreement or
understanding with any Person or entity to vote or give instructions after the Termination Date in any manner inconsistent with <U>clauses&nbsp;(i)</U>, <U>(ii)</U>&nbsp;or <U>(iii)</U>&nbsp;of the preceding sentence. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During the Support Period, the Shareholder will not, directly or
indirectly (i)&nbsp;sell, transfer, exchange, pledge, assign, hypothecate, encumber, tender or otherwise dispose of (collectively, a &#147;<U>Transfer</U>&#148;), or enforce or permit execution of the provisions of any redemption, share purchase or
sale, recapitalization or other agreement with the Company or any other Person or enter into any contract, option or other agreement, arrangement or understanding with respect to the Transfer of, directly or indirectly, any of the Shares or any
securities convertible into or exercisable for Shares, any other capital stock of the Company or any interest in any of the foregoing with any Person, (ii)&nbsp;enter into swap or any other agreement or any transaction that transfers, in whole or in
part, directly or indirectly, the economic consequence of ownership of the Shares, (iii)&nbsp;take any action that would make any of the Shareholder&#146;s representations or warranties contained in this Agreement untrue or incorrect in any material
respect or have the effect of preventing or disabling the Shareholder from performing the Shareholder&#146;s obligations under this Agreement; <U>provided</U> <U>however</U>, that this Agreement shall not prohibit the Shareholder from
(A)&nbsp;transferring and delivering Shares to the Company to effect the exercise of an option to purchase Company Common Stock; or (B)&nbsp;transferring and delivering the Shares to any member of Shareholder&#146;s immediate family or to a trust
for the benefit of Shareholder or upon the death of Shareholder; <U>provided</U> that such a Transfer shall only be permitted if, as a precondition to such Transfer, the transferee agrees in writing, to be bound by and comply with the provisions of
this Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cooperation</U>.&nbsp;&nbsp;Except
as otherwise contemplated or permitted by the Merger Agreement, during the Support Period the Shareholder agrees that the Shareholder will not </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">A-2 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="justify">
directly or indirectly (i)&nbsp;initiate, solicit, induce or knowingly encourage, or knowingly take any action to facilitate the making of, any inquiry, offer or proposal which constitutes, or
could reasonably be expected to lead to, a Company Acquisition Proposal, or (ii)&nbsp;participate in any discussions or negotiations regarding any Company Acquisition Proposal, or furnish, or otherwise afford access, to any Person (other than
Parent) to any information or data with respect to the Company relating to a Company Acquisition Proposal. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Solicitation</U>.&nbsp;&nbsp;Except as otherwise
contemplated or permitted by the Merger Agreement, during the Support Period, Shareholder shall not, and shall not permit any attorney or other representative retained by Shareholder to, directly or indirectly, (a)&nbsp;take any of the actions
prohibited by Section&nbsp;6.9(a) of the Merger Agreement that the Company has agreed not to take, or (b)&nbsp;participate in, directly or indirectly, a &#147;solicitation&#148; of &#147;proxies&#148; (as such terms are used in the rules of the SEC)
or powers of attorney or similar rights to vote, or seek to advise or influence any Person with respect to the voting of, any shares of Company Common Stock, other than to recommend that shareholders of the Company vote in favor of the adoption and
approval of the Merger Agreement and the Merger. Shareholder agrees immediately to cease and cause to be terminated any activities, discussions or negotiations conducted before the date of this Agreement with any Persons other than Parent with
respect to any possible Company Acquisition Proposal and will use Shareholder&#146;s commercially reasonable efforts to inform any representative retained by Shareholder of the obligations undertaken by Shareholder pursuant to this
<U>Section&nbsp;4</U>. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice of Acquisitions;
Proposals Regarding Prohibited Transactions</U>. Shareholder hereby agrees to notify Parent promptly (and in any event within two (2)&nbsp;Business Days) in writing of the number of any additional shares of Company Common Stock or other securities
of the Company of which Shareholder acquires beneficial or record ownership on or after the date of this Agreement. Shareholder shall use Shareholder&#146;s commercially reasonable efforts to cause Company to comply with the provisions of
Section&nbsp;6.9(b) of the Merger Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder Capacity</U>.&nbsp;&nbsp;&nbsp;&nbsp;The
Shareholder is entering this Agreement in Shareholder&#146;s capacity as the record or beneficial owner of the Shareholder&#146;s Shares, and not in his or her capacity as a director of the Company or as a trustee of any the Company benefit plan.
Nothing in this Agreement shall be deemed in any manner to limit the discretion of the Shareholder to take any action, or fail to take any action, in his or her capacity as a director of the Company or as a trustee of any benefit plan of the
Company, that Shareholder determines Shareholder should take (or fail to take) in the exercise of Shareholder&#146;s duties and responsibilities as a director of the Company or as a trustee of any benefit plan of the Company. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Stop Transfer
Order</U>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In furtherance of this Agreement, Shareholder hereby authorizes and instructs the Company to enter a stop transfer order with respect to all of Shareholder&#146;s Shares for the Support Period, except for such
Transfers as are as otherwise provided for or permitted by this Agreement. The Company agrees that it shall comply with such stop transfer instructions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">A-3 </P>


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<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>.&nbsp;&nbsp;This Agreement and the
obligations of the Shareholder hereunder shall terminate upon the first to occur of (a)&nbsp;the Effective Time of the Merger or (b)&nbsp;the termination of the Merger Agreement in accordance with its terms (the &#147;<U>Termination Date</U>&#148;).
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific Performance</U>.&nbsp;&nbsp;Shareholder
acknowledges and agrees that irreparable injury will result to Parent in the event of a breach of any of the provisions of this Agreement and that Parent may have no adequate remedy at law with respect thereto. Accordingly, in the event of a
material breach of this Agreement, and in addition to any other legal or equitable remedy Parent may have, Shareholder agrees that the entry of a preliminary injunction and a permanent injunction (including, without limitation, specific performance)
by a court of competent jurisdiction, to restrain the violation or breach thereof by Shareholder or any Affiliates, agents, or any other persons acting for or with Shareholder in any capacity whatsoever, is an appropriate remedy for any such breach
and that Shareholder will not oppose the granting of such relief on the basis that Parent has an adequate remedy at law. Shareholder further agrees that Shareholder will not seek, and agrees to waive any requirement for, the securing or posting of a
bond in connection with Parent&#146;s seeking or obtaining such equitable relief. Such injunctive and other equitable remedies are cumulative and shall be Parent&#146;s sole remedy under this Agreement, unless Parent shall have sought and been
denied by a court of competent jurisdiction injunctive or other equitable remedies and such denial is other than by reason of violation of this Agreement by Parent Shareholder submits to the jurisdiction of such court in any such action. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitional Matters</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All capitalized terms used but not defined in this Agreement shall have
the respective meanings set forth in the Merger Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The descriptive
headings herein are inserted for convenience of reference only and are not intended to be part of or to affect the meaning or interpretation of this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire Agreement</U>.&nbsp;&nbsp;&nbsp;This Agreement together
the Merger Agreement constitute the entire agreement between the parties hereto with respect to the subject matter hereof and supersedes all other prior agreements and understandings, both written and oral, among the parties, or any of them, with
respect to the subject matter hereof. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Parties in
Interest</U>.&nbsp;This Agreement shall be binding upon and inure solely to the benefit of each party hereto and their respective successors, assigns, heirs, executors, administrators and other legal representatives. Nothing in this Agreement,
express or implied, is intended to confer upon any other person any rights or remedies of any nature whatsoever under or by reason of this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain Events</U>.&nbsp;&nbsp;&nbsp;Shareholder agrees that this
Agreement and the obligations hereunder shall attach to the Shares owned by Shareholder and shall be binding upon any Person to which legal ownership of such Shares shall pass, whether by operation of law or otherwise, including, without limitation,
the Shareholder&#146;s heirs, executors, guardians, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">A-4 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="justify">
administrators, trustees or successors. Notwithstanding any Transfer of such Shares by a Shareholder, the Shareholder or, as applicable, the Shareholder&#146;s heirs, executors, guardians,
administrators, trustees or successors, shall remain liable for the performance of all obligations under this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment</U>.&nbsp;&nbsp;This Agreement shall not be
assigned without the prior written consent of the other party hereto, and any purported assignment without such consent shall be null and void. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Modifications</U>.&nbsp;This Agreement shall not be
amended, altered or modified in any manner whatsoever, except by a written instrument executed by the parties hereto. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law</U>.&nbsp;&nbsp;This Agreement and the legal
relations between the parties hereto shall be governed by and construed in accordance with the laws of the state of California, without regard to the conflict of laws rules thereof. The state or federal courts located within the state of California
shall have exclusive jurisdiction over any and all disputes between the parties hereto, whether in law or equity, arising out of or relating to this Agreement and the agreements, instruments and documents contemplated hereby and the parties consent
to and agree to submit to the jurisdiction of such courts. Each of the parties hereby waives and agrees not to assert in any such dispute, to the fullest extent permitted by applicable Law, any claim that (i)&nbsp;such party is not personally
subject to the jurisdiction of such courts, (ii)&nbsp;such party and such party&#146;s property is immune from any legal process issued by such courts, or (iii)&nbsp;any litigation or other proceeding commenced in such courts is brought in an
inconvenient forum. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reliance on Counsel and Other
Advisors</U>.&nbsp;The Shareholder has consulted with such legal, financial, technical or other experts as the Shareholder deems necessary or desirable before entering into this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Validity</U>.&nbsp;&nbsp;The invalidity or unenforceability
of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, each of which shall remain in full force and effect. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts and Execution</U>.&nbsp;This Agreement may be
executed in two or more counterparts, each of which shall be deemed to be an original, but all of which shall constitute one and the same agreement. Signatures sent by facsimile shall have the same force as manual signed originals. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.&nbsp;&nbsp;Any notices or other communications
required or permitted hereunder shall be in writing and shall be deemed duly given upon (i)&nbsp;transmitter&#146;s confirmation of a receipt of a facsimile transmission, (ii)&nbsp;confirmed delivery by a standard overnight carrier or (iii)&nbsp;the
expiration of five (5)&nbsp;business days after the day when mailed by certified or registered mail, postage prepaid, addressed at the following addresses (or at such other address as the parties hereto shall specify by like notice): </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:23%; font-size:12pt; font-family:Times New Roman">If to Parent: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">A-5 </P>


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


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">CVB Financial Corp.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">701 North Haven
Avenue</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Ontario, California 91764</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Attention: Christopher D.
Myers, President&nbsp;&amp; Chief</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:12pt; font-family:Times New Roman">Facsimile: (909)&nbsp;481-2120</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">with a copy (which shall not constitute notice) to:</P>
<P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Manatt, Phelps&nbsp;&amp; Phillips, LLP</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">One Embarcadero Center</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">San Francisco, California 94111</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Attention: Craig D. Miller, Esq.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Facsimile:
(415)&nbsp;291-7474</P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">If to the Company, to:</P>
<P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">County Commerce Bank</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">2400 East Gonzales Road</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Oxnard, California 9303</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Attention: Joseph D. Kreutz, President and Chief Executive Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Facsimile:&nbsp;&nbsp;(805)&nbsp;477-7614</P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">with a copy (which shall not constitute notice) to:</P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Horgan, Rosen, Beckham&nbsp;&amp; Coren, L.L.P.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">23975 Park
Sorrento, Suite 200</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Calabasas, California 91302- 4001</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Attention: Arthur A. Coren Professional Corporation</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Facsimile:
(818)&nbsp;591-3838</P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:12pt; font-family:Times New Roman">If to the Shareholder, to the address noted on the signature page
hereto.</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">[SIGNATURES APPEAR ON THE IMMEDIATELY FOLLOWING PAGE] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">A-6 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">IN WITNESS WHEREOF, the parties hereto have executed this Support Agreement as of
the date first above written. </P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top" COLSPAN="3"><B>CVB FINANCIAL CORP.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">By:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR></TABLE></DIV> <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="50%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Christopher D. Myers</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR></TABLE></DIV> <DIV ALIGN="right">
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<TR>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="89%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"><B>COUNTY COMMERCE BANK</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">By:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR></TABLE></DIV> <DIV ALIGN="right">
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<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Joseph D. Kreutz</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR></TABLE></DIV> <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="50%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt">


<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="88%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"><B>SHAREHOLDER:</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="54" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:30pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:42pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:36pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to
Voting and Support Agreement] </P>


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<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR></TABLE></DIV> <DIV ALIGN="right">
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<TR>
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="58%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="38"></TD>
<TD HEIGHT="38" COLSPAN="2"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Number&nbsp;of&nbsp;Shares:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top">Address&nbsp;for&nbsp;Notices:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:72pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:72pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:72pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:72pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:72pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:20pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:31%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:11pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">If spousal signature required </TD></TR></TABLE> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:24pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to
Voting and Support Agreement] </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right"><B><U>Exhibit B </U></B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT OF MERGER </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">THIS AGREEMENT OF MERGER, dated as of [&#9679;] (this &#147;<U>Agreement</U>&#148;), is made and entered into by and between
Citizens Business Bank, a California banking corporation (&#147;<U>Citizens</U>&#148;), and County Commerce Bank, a California banking corporation (&#147;<U>County</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">WHEREAS, Citizens is a wholly-owned subsidiary of CVB Financial Corp, a California Corporation (&#147;<U>CVB</U>&#148;); and
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">WHEREAS, the Boards of Directors of Citizens and County have approved, and deem it advisable and in the best interests of
Citizens, County and their respective shareholders, that Citizens and County consummate the business transaction provided for in this Agreement in which County would merge with and into Citizens (the &#147;<U>Merger</U>&#148;) as contemplated in
that certain Agreement and Plan of Reorganization and Merger dated as of October&nbsp;14, 2015 by and among CVB, Citizens and County (the &#147;<U>Plan of Merger</U>&#148;), providing, among other things, for the execution and filing of this
Agreement and the consummation of the Merger. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">NOW, THEREFORE, in consideration of the promises and mutual agreements
contained in this Agreement, the parties to this Agreement hereby agree that County shall be merged with and into Citizens in accordance with the provisions of the laws of the State of California upon the terms and subject to the conditions set
forth as follows: </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>The Merger</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effective Time</U>.&nbsp;The Merger shall become effective on the date
and at the time that this Agreement of Merger, as certified by the California Secretary of State, is filed with the California Department of Business Oversight pursuant to Section&nbsp;4887(b) of the California Financial Code (the &#147;<U>Effective
Time</U>&#148;). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of the Merger</U>.&nbsp;At the Effective
Time, County shall be merged with and into Citizens and the separate corporate existence of County shall cease. Citizens shall be the surviving corporation (the &#147;<U>Surviving Corporation</U>&#148;) in the Merger. The Surviving Corporation shall
thereupon succeed, without other transfer, to all rights and properties of, and shall be subject to all the debts and liabilities of, County and the separate existence of Surviving Corporation as a California corporation, with all its purposes,
objects, rights, powers, privileges and franchises, shall continue unaffected and unimpaired by the Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Name of Surviving Corporation</U>.&nbsp;The name of the Surviving
Corporation shall be &#147;Citizens Business Bank.&#148; </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Offices</U>.&nbsp;All branch offices of Citizens and County that were in
lawful operation immediately prior to the Effective Time shall continue to be the branch offices of the Surviving Corporation upon consummation of the Merger, subject to the opening or closing of any offices which may be authorized by Citizens or
County and applicable regulatory authorities after the date of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">B-1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Further Actions</U>. County
shall execute and deliver any documents and instruments and take all action, as requested by the Surviving Corporation, necessary or desirable to evidence or carry out the Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate Governance Matters</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Articles of Incorporation and Bylaws</U>.&nbsp;From and after the
Effective Time and until thereafter amended as provided by law, the Articles of Incorporation and Bylaws of Citizens as in effect immediately prior to the Effective Time shall be and continue to be the Articles of Incorporation and Bylaws of the
Surviving Corporation. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Board of Directors and
Officers</U>.&nbsp;&nbsp;The directors and officers of Citizens at the Effective Time will be the directors and officers of the Surviving Corporation until they are removed or their successors are elected and qualified. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Treatment of Shares</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shares of County</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At the Effective Time, by virtue of the Merger, and without any action on
the part of the holders of County common stock, each share of County common stock issued and outstanding immediately prior to the Effective Time (other than shares that are &#147;dissenting shares&#148; within the meaning of Chapter 13 of the
California General Corporation Law) shall converted into the right to receive (i)&nbsp;the number of shares of CVB common stock, no par value, (&#147;<U>CVB Common Stock</U>&#148;) equal to [&#9679;] shares of CVB Common Stock, together with any
cash in lieu of fractional shares and (ii)&nbsp;$[&#9679;] cash. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
shares of the County common stock owned by County as treasury stock or owned, directly or indirectly, by County, CVB or any of CVB&#146;s subsidiaries (other than those held in a fiduciary capacity or as a result of debts previously contracted shall
automatically be cancelled and retired and shall cease to exist at the Effective Time of the Merger and no consideration shall be issued in exchange therefor. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shares of County common stock that are &#147;dissenting shares&#148; within the
meaning of Chapter 13 of the California General Corporation Law will not be converted as described in Section&nbsp;3(a)(i), but from and after the Effective Time will represent only the right to receive such value as may be determined under Chapter
13 of the California General Corporation Law. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At the Effective Time, the stock
transfer books of County will be closed and no transfer of County common stock theretofore outstanding will thereafter be made. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shares of Citizens</U>.&nbsp;All shares of Citizens Common Stock issued
and outstanding immediately prior to the Effective Time shall remain outstanding and unaffected by the Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>Conditions to Consummation of the
Merger</U>.&nbsp;Consummation of the Merger as provided herein is conditioned upon the satisfaction of the conditions set forth in the Plan of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">B-2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="justify">
Merger, any or all of which may be waived in accordance with the terms and provisions of the Plan of Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination and Amendment</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>.&nbsp;Notwithstanding the approval of this Agreement by the
shareholders of County or Citizens, this Agreement shall terminate prior to the Effective Time in the event that the Plan of Merger shall be terminated as therein provided. If this Agreement is terminated, liability by reason of this Agreement or
the termination thereof on the part of any of Citizens or County or the directors, officers, employees, agents or shareholders of either of them is to be determined pursuant to the terms of the Plan of Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment</U>.&nbsp;&nbsp;This Agreement may be amended by Citizens and County
at any time prior to the Effective Time without the approval of the shareholders of Citizens or County with respect to any of its terms except any change in its principal terms, the terms relating to the form or amount of consideration to be
delivered to County shareholders in the Merger or as may otherwise be required by the Plan of Merger or by law. This Agreement may not be amended, except by an instrument in writing signed on behalf of each of the parties hereto. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law</U>.&nbsp;&nbsp;THIS AGREEMENT IS TO BE
CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF CALIFORNIA (INCLUDING THOSE LAWS RELATING TO CHOICE OF LAW) APPLYING TO CONTRACTS ENTERED INTO AND TO BE PERFORMED WITHIN THE STATE OF CALIFORNIA, WITHOUT REGARD FOR THE
PROVISIONS THEREOF REGARDING CHOICE OF LAW, EXCEPT TO THE EXTENT FEDERAL LAW APPLIES UNDER CONFLICT OF LAW PRINCIPLES. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.&nbsp;&nbsp;If any provision of this
Agreement is held to be illegal, invalid or unenforceable under present or future laws, then: (a)&nbsp;this Agreement is to be construed and enforced as if such illegal, invalid or unenforceable provision were not a part hereof: (b)&nbsp;the
remaining provisions of this Agreement will remain in full force and effect and will not be affected by such illegal, invalid or unenforceable provision or by its severance from this Agreement; and (c)&nbsp;before the Effective Time, there will be
added automatically as a part of this Agreement a provision as similar in terms to such illegal, invalid or unenforceable provision as may be possible and still be legal, valid and enforceable. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rules of Construction</U>.&nbsp;&nbsp;&nbsp;Descriptive
headings as to the contents of particular sections are for convenience only and do not control or affect the meaning, construction or interpretation of this Agreement. Each use herein of the masculine, neuter or feminine gender is deemed to include
the other genders. Each use herein of the plural includes the singular and vice versa, in each case as the context requires or as it is otherwise appropriate. The word &#147;or&#148; is used in the inclusive sense. Any and all documents or
instruments referred to herein are incorporated herein by reference hereto as though fully set forth herein verbatim. If there is any conflict between the terms of this Agreement and the terms of the Plan of Merger, the terms of the Plan of Merger
are to control. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">B-3 </P>


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<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">Section&nbsp;9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.&nbsp;&nbsp;&nbsp;This Agreement may be
signed in any number of counterparts, each of which shall be deemed an original, and all of which shall be deemed but one and the same instrument. </P> <P STYLE="font-size:20pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><I>[Continued and to be signed on following page] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">B-4 </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman" ALIGN="justify">IN WITNESS WHEREOF, the parties have duly executed this Agreement of Merger as of
the date first written above. </P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="50%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt">


<TR>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"><B>CITIZENS BUSINESS BANK</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">By:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">[&#9679;]</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">[&#9679;]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">By:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">[&#9679;]</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">[&#9679;]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3"><B>COUNTY COMMERCE BANK</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">By:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">[&#9679;]</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">[&#9679;]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top" COLSPAN="3">By:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">[&#9679;]</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">[&#9679;]</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">5 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right"><B><U>EXHIBIT C-1 </U></B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>NONCOMPETITION AND NONSOLICITATION AGREEMENT </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">This NONCOMPETITION AND NONSOLICITATION AGREEMENT (this &#147;<U>Agreement</U>&#148;) dated as of October&nbsp;14, 2015 is entered into by
and between Citizens Business Bank, a California banking corporation (&#147;<U>CBB</U>&#148;), and [&#149;] (&#147;<U>Shareholder</U>&#148;). </P>
<P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">RECITALS </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CVB Financial Corp., a California corporation (&#147;<U>CVB</U>&#148;), and parent
corporation of CBB, and County Commerce Bank, a California corporation (&#147;<U>Bank</U>&#148;),&nbsp;have entered into that certain Agreement and Plan of Reorganization and Merger, dated as of October&nbsp;14, 2015 (the &#147;<U>Merger
Agreement</U>&#148;) which, among other things, contemplates the merger of Bank into CBB (the &#147;<U>Merger</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder is a beneficial owner of Bank common stock and a director and/or executive
officer of Bank. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder is entitled to receive substantial monetary payments in
connection with the transactions contemplated by the Merger Agreement as a shareholder of Bank and/or pursuant to Shareholder&#146;s change in control/severance agreement by and between Shareholder and Bank. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As an inducement to CVB to enter into the Merger Agreement, Shareholder agrees to refrain
from competing with and using trade secrets or soliciting customers or employees of Bank in accordance with the terms hereof. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">E.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as otherwise provided herein, each capitalized term shall have the meaning given to
such term in the Merger Agreement. As used in this Agreement, the following terms shall have the meanings set forth: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Customer</U>&#148; means any Person (i)&nbsp;with whom Bank has an existing relationship for Financial Services (as defined
below)&nbsp;from the date of execution of the Merger Agreement until immediately prior to the Effective Time of the Merger, or (ii)&nbsp;who is a customer of CBB immediately prior to termination of Shareholder&#146;s employment with CBB, if
applicable. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Enterprise</U>&#148; means the provision of Financial Services conducted by Bank at any time from the date of
execution of the Merger Agreement until immediately prior to the Effective Time of the Merger. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Financial Institution</U>&#148;
means a &#147;depository institution&#148; as that term is defined in 12&nbsp;C.F.R. Section&nbsp;348.2, and any parent, Subsidiary or Affiliate thereof. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Financial Services</U>&#148; means the origination, purchasing, selling and servicing
of commercial, real estate, residential, construction and consumer loans or the solicitation and provision of deposit services and services related thereto. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Prospective Customer</U>&#148; means any Person with whom Bank has actively pursued a relationship to provide Financial Services at
any time between the date of execution of the Merger Agreement and the Effective Time of the Merger; <U>provided</U>, <U>however</U>, that in each case Shareholder was aware of such pursuit of a relationship during Shareholder&#146;s service to Bank
prior to the Effective Time; and provided further, that Bank&#146;s general solicitation for business, such as through television or media advertising, does not constitute active pursuit of a relationship. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Trade Secrets</U>&#148; means all secrets and other confidential information, ideas, knowledge, know-how, techniques, secret
processes, improvements, discoveries, methods, inventions, sales, financial information, Customers, lists of Customers and Prospective Customers, plans, concepts, strategies or products, as well as all documents, reports, drawings, designs, plans
and proposals otherwise pertaining to same or relating to the business and properties of Bank of which Shareholder has acquired, or may hereafter acquire, knowledge and possession as a shareholder, director, officer or employee of Bank or as a
result of the transactions contemplated by the Merger Agreement, <U>provided however</U>, notwithstanding any other provisions of this Agreement to the contrary, &#147;Trade Secrets&#148; shall not include any (i)&nbsp;information which is or has
become available from a third party who learned the information independently and is not or was not bound by a confidentiality agreement with respect to such information; (ii)&nbsp;information readily ascertainable from public, trade or other
nonconfidential sources (other than as a result, directly or indirectly, of a disclosure or other dissemination in contravention of a confidentiality agreement); (iii)&nbsp;information that has been acquired by Shareholder as a result of a
professional relationship with a Customer or Prospective Customer unrelated to such Shareholder&#146;s services or relationship with Bank; or (iv)&nbsp;information relating to a Customer or Prospective Customer that is disclosed to the Shareholder
directly by such Customer or Prospective Customer. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the premises and respective representations,
warranties and covenants, agreements and conditions contained herein and in the Merger Agreement, and intending to be legally bound hereby, Shareholder and CBB agree as follows: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">ARTICLE I </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>ACKNOWLEDGMENTS BY
SHAREHOLDER </U></P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">Shareholder acknowledges that: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CVB would not enter into the Merger Agreement unless Shareholder agrees not to enter into
an activity that is competitive with or similar to the Enterprise in violation of this Agreement and that, accordingly, this Agreement is a material inducement for </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-1-2 </P>


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CVB to enter into and to carry out the terms of the Merger Agreement. Accordingly, Shareholder expressly acknowledges that [he/she] is entering into this Agreement with CBB to induce CVB to enter
into and carry out the terms of the Merger Agreement. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By virtue of [his/her] position
with Bank, Shareholder has developed considerable expertise in the business operations of Bank and has access to Trade Secrets. Shareholder recognizes that CVB and CBB would be irreparably damaged, and its substantial investment in Bank materially
impaired, if Shareholder were to enter into an activity that is competitive with or similar to the Enterprise in violation of the terms of this Agreement, if Shareholder were to disclose or make use of any Trade Secrets in violation of the terms of
this Agreement, or if Shareholder were to solicit Customers, Prospective Customers or employees of Bank in violation of the terms of this Agreement. Accordingly, Shareholder expressly acknowledges that [he/she] is voluntarily entering into this
Agreement and that the terms and conditions of this Agreement are fair and reasonable to Shareholder in all respects. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">ARTICLE II </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>NONCOMPETITION AND NONSOLICITATION </U></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Noncompetition</U>.&nbsp;&nbsp;From the date of this Agreement and for the period ending
on the expiration of the twenty-four (24)&nbsp;months after the Effective Time of the Merger (the &#147;<U>Applicable Period</U>&#148;), Shareholder shall not, directly or indirectly, without the prior written consent of CBB own, manage, operate,
control, or have any interest in the ownership, management, operation, or control of, or be connected as an officer, director, employee, partner, principal, agent, representative, or consultant with, any business or enterprise engaged in providing
Financial Services similar to the Enterprise within the Counties of Ventura, Santa Barbara or Los Angeles (the &#147;<U>Territory</U>&#148;). Notwithstanding the above, Shareholder shall not be deemed to be engaged directly or indirectly in any
business in contravention of the immediately preceding sentence, if (y)&nbsp;Shareholder participates in any such business solely (A)&nbsp;as an officer or director of CVB or CBB or (B)&nbsp;as a passive investor in up to 5% of the equity securities
or 10% of the debt securities of a company or partnership, provided such securities are publicly traded or (z)&nbsp;Shareholder is employed by a business or enterprise that is engaged primarily in a business other than the provision of Financial
Services which is competitive with or similar to the Enterprise and Shareholder does not apply in any manner [his/her] expertise at such business or enterprise to that part of such business or enterprise that is competitive with or similar to the
Enterprise. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nonsolicitation</U>.&nbsp;&nbsp;During the Applicable Period,
Shareholder shall not, directly or indirectly, without the prior written consent of CVB or CBB, on behalf of any Financial Institution, (i)&nbsp;solicit or aid in the solicitation of any Customers or Prospective Customers for Financial Services, or
(ii)&nbsp;solicit or aid in the solicitation of any officers or employees of Bank, or (iii)&nbsp;induce or attempt to induce immediately any Person who is a Customer, Prospective Customer, supplier, distributor, officer or employee of Bank as of the
date hereof or immediately prior to the Effective Time of the Merger to terminate such person&#146;s relationships with the Surviving Corporation. The prohibitions set forth in this Section&nbsp;2.2 shall not apply to general solicitations or
attempted solutions by employment agencies (so long as the agency was not </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-1-3 </P>


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directed to solicit a Person otherwise subject to the prohibitions of this Section&nbsp;2.2) or the general advertising or general solicitations not specifically directed at such Person(s).
Notwithstanding the provisions of this Section&nbsp;2.2, unless Shareholder&#146;s business is the business of a Financial Institution, Shareholder shall not be prohibited from providing the services that Shareholder provides in the normal course of
Shareholder&#146;s business in accordance with past practices (as of the date of this Agreement) to Persons who are Customers. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Trade Secrets</U>.&nbsp;&nbsp;Without limiting the generality of the foregoing and
at all times after the date hereof, other than for the benefit of Bank, or as otherwise approved by Bank, and, after the Effective Time of the Merger (as such term is defined in the Merger Agreement), other than for the benefit of the CVB and/or CBB
or as otherwise approved by CVB or CBB, Shareholder (i)&nbsp;shall make no use of the Trade Secrets, or any other part thereof, (ii)&nbsp;shall not disclose the Trade Secrets, or any part thereof, to any other Person, and (iii)&nbsp;shall deliver,
on and after the Effective Time of the Merger, upon the request of CBB, all documents, reports, drawings, designs, plans, proposals and other tangible evidence of Trade Secrets, now possessed or hereafter acquired by Shareholder, to CVB and/or CBB.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exceptions</U>.&nbsp;&nbsp;Notwithstanding any provision of this Agreement to
the contrary, Shareholder may disclose or reveal any information, whether including in whole or in part any Trade Secrets, that: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder is required to disclose or reveal under any applicable Law, provided
Shareholder makes a good faith request that the confidentiality of the Trade Secrets be preserved and, to the extent not prohibited by applicable Laws, gives CBB prompt notice of such requirement in advance of such disclosure. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder is otherwise required to disclose or reveal by any Governmental Entity,
provided Shareholder makes a good faith request that the confidentiality of the Trade Secrets be preserved and, to the extent not prohibited by applicable Laws, gives CBB prompt notice of such requirement is advance of each disclosure; or </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon the advice of Shareholder&#146;s counsel, Shareholder is compelled to disclose or
else stand liable for contempt or suffer other censure or penalty imposed by any Governmental Entity, provided Shareholder makes a good faith request that the confidentiality of the Trade Secrets be preserved and, to the extent not prohibited by
applicable Laws, gives CBB prompt notice of such requirement in advance of such disclosure. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">ARTICLE III </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>INDEPENDENCE OF OBLIGATIONS </U></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">The covenants of Shareholder set forth in this Agreement shall be construed as independent of any other agreement or arrangement between
Shareholder, on the one hand, and CBB on the other, and the existence of any claim or cause of action by Shareholder against Bank, CBB, CVB, or any of their respective Affiliates (or the existence of any claim or cause of action by CBB or CVB
against Shareholder, as the case may be), shall not constitute a defense to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-1-4 </P>


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the enforcement of such covenants against Shareholder, or against CBB or CVB, as the case may be. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">ARTICLE IV </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>GENERAL </U></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendments</U>.&nbsp;&nbsp;To the fullest extent permitted by Law, this Agreement
may be amended by agreement in writing of the parties hereto at any time. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Integration</U>.&nbsp;&nbsp;This Agreement constitutes the entire agreement
between the parties pertaining to the subject matter hereof and&nbsp;supersedes all prior agreements and understandings of the parties in connection therewith. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall terminate automatically without further action in the event that the
Merger Agreement is terminated prior to the Effective Time of the Merger. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
sooner terminated pursuant to subsection (a)&nbsp;of this Section&nbsp;4.3, (i)&nbsp;the obligations of Shareholder under Sections 2.1 and 2.2 shall terminate at the end of the Applicable Period. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless sooner terminated under subsection (a)&nbsp;of this Section&nbsp;4.3, and except as
provided in subsection (b)&nbsp;of this Section&nbsp;4.3, the obligations of Shareholder under this Agreement shall terminate only on the mutual agreement of Shareholder, on the one hand, and CBB or the Surviving Corporation, on the other hand. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific Performance</U>.&nbsp;&nbsp;Shareholder acknowledges and agrees that
irreparable injury will result to CBB in the event of a breach of any of the provisions of this Agreement and that CBB may have no adequate remedy at law with respect thereto. Accordingly, in the event of a material breach of this Agreement, and in
addition to any other legal or equitable remedy CBB may have, Shareholder agrees that the entry of a preliminary injunction and a permanent injunction (including, without limitation, specific performance) by a court of competent jurisdiction, to
restrain the violation or breach thereof by Shareholder or any Affiliates, agents, or any other persons acting for or with Shareholder in any capacity whatsoever, is an appropriate remedy for any such breach and that Shareholder will not oppose the
granting of such relief on the basis that CBB has an adequate remedy at law. Shareholder submits to the jurisdiction of such court in any such action. In addition, after discussing the matter with Shareholder, CBB shall have the right to inform any
third party that CBB reasonably believes to be, or to be contemplating, participating with Shareholder or receiving from Shareholder assistance in violation of this Agreement, of the terms of this Agreement and the rights of CBB hereunder, and that
participation by any such persons with Shareholder in activities in violation of Shareholder&#146;s agreement with CBB set forth in this Agreement may give rise to claims by CBB against such third party in addition to any other remedy to which they
may be entitled at law or in equity. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-1-5 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.&nbsp;&nbsp;If any provision of
this Agreement shall be held by a court of competent jurisdiction to be unreasonable as to duration, activity or subject, it shall be deemed to extend only over the maximum duration, range of activities or subjects as to which such provision shall
be valid and enforceable under applicable Law. If any provisions shall, for any reason, be held by a court of competent jurisdiction to be invalid, illegal or unenforceable, such invalidity, illegality or unenforceability shall not affect any other
provision of this Agreement, but this Agreement shall be construed as if such invalid, illegal or unenforceable provision had never been contained herein. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.&nbsp;&nbsp;Any notice or communication required or permitted hereunder, shall be
deemed to have been given if in writing and (a)&nbsp;delivered in person, (b)&nbsp;delivered by confirmed facsimile transmission, (c)&nbsp;sent by overnight carrier, postage prepaid with return receipt requested or (d)&nbsp;mailed by certified or
registered mail postage prepaid with return receipt requested, addressed as follows: </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">If to CBB, addressed to: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Citizens Business Bank </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">701
North Haven Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Ontario, California 91764 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Attention: Christopher D. Myers </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Fax No.: (909)&nbsp;483-7199 </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">With a copy
addressed to: </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Manatt, Phelps&nbsp;&amp; Phillips, LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">One Embarcadero Center, 30th Floor </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">San Francisco, California 94111 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Attention: Craig D. Miller, Esq. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Fax No: (415)&nbsp;291-7474 </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If to Shareholder,
addressed to: </P>
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</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">or at such other address and to the attention of such other person as a party may provide by notice to the other in accordance
with this Section&nbsp;4.6. Any such notice or communication shall be deemed received on the date delivered personally or delivered by confirmed facsimile transmission or on the next Business Day after it was sent by overnight carrier, postage
prepaid with return receipt requested or on the third Business Day after it was sent by certified or registered mail, postage prepaid with return receipt requested. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-1-6 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver of Breach</U>.&nbsp;&nbsp;Any failure or
delay by CBB in enforcing any provision of this Agreement shall not operate as a waiver thereof. The waiver by CBB of a breach of any provision of this Agreement by Shareholder shall not operate or be construed as a waiver of any subsequent breach
or violation thereof. All waivers shall be in writing and signed by the party to be bound. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment</U>.&nbsp;&nbsp;This Agreement may be assignable by CBB only in connection with a
sale of all or substantially all of its assets or a merger or reorganization in which it is not the surviving corporation. Any attempted assignment in violation of this prohibition shall be null and void. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Binding Effect; Benefit to Successors</U>.&nbsp;&nbsp;This Agreement shall be binding upon
Shareholder and upon Shareholder&#146;s successor and representatives and shall inure to the benefit of CBB and its successors, representatives and assigns. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law</U>.&nbsp;&nbsp;This Agreement and the legal relations between the parties shall be
governed by and construed in accordance with the laws of the State of California applicable to contracts between California parties made and performed in this State. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Headings</U>.&nbsp;&nbsp;The descriptive headings of the several Articles and Sections of this Agreement
are inserted for convenience only and do not constitute a part of this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.&nbsp;&nbsp;This Agreement may be executed in one or more counterparts, all of which
shall be considered one and the same agreement and shall become effective when one or more counterparts have been signed by each party hereto and delivered to each party hereto. Facsimiles containing original signatures shall be deemed for all
purposes to be originally signed copies of the documents which are the subject of such facsimiles. </P> <P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">[SIGNATURES APPEAR ON THE IMMEDIATELY
FOLLOWING PAGE] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-1-7 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties to this Agreement have duly executed this Agreement as of the
day and year first above written. </P> <P STYLE="font-size:26pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">CITIZENS BUSINESS BANK</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="54"></TD>
<TD HEIGHT="54" COLSPAN="2"></TD>
<TD HEIGHT="54" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Christopher D. Myers</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="35"></TD>
<TD HEIGHT="35" COLSPAN="2"></TD>
<TD HEIGHT="35" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">SHAREHOLDER</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="54"></TD>
<TD HEIGHT="54" COLSPAN="2"></TD>
<TD HEIGHT="54" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center">(Signature)</TD></TR>
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<TD HEIGHT="40"></TD>
<TD HEIGHT="40" COLSPAN="2"></TD>
<TD HEIGHT="40" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman" ALIGN="center">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center">(Type or Print Shareholder&#146;s Name)</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-1-8 </P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right"><U>Attachment 1 to Exhibit C-1 </U></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman">Shareholders signing Noncompetition and Nonsolicitation Agreement in the form of Exhibit C-1: </P>
<P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Joseph D. Kreutz </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">J. Roger Myers </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">H. Randall Kinsling </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">Jeffrey R. Becker </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top">Robert O&#146;Hollaren, M.D. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top">Martin J. Marietta </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-1-9 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right"><B><U>EXHIBIT C-2 </U></B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>NONCOMPETITION AND NONSOLICITATION AGREEMENT </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">This NONCOMPETITION AND NONSOLICITATION AGREEMENT (this &#147;<U>Agreement</U>&#148;) dated as of October&nbsp;14, 2015 is entered into by
and between Citizens Business Bank, a California banking corporation (&#147;<U>CBB</U>&#148;), and Richard Favor (&#147;<U>Shareholder</U>&#148;). </P>
<P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">RECITALS </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CVB Financial Corp., a California corporation (&#147;<U>CVB</U>&#148;), and parent
corporation of CBB, and County Commerce Bank, a California corporation (&#147;<U>Bank</U>&#148;),&nbsp;have entered into that certain Agreement and Plan of Reorganization and Merger, dated as of October&nbsp;14, 2015 (the &#147;<U>Merger
Agreement</U>&#148;) which, among other things, contemplates the merger of Bank into CBB (the &#147;<U>Merger</U>&#148;). </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder is a beneficial owner of Bank common stock and a director and/or executive
officer of Bank and Shareholder intends to join the Surviving Corporation as a Senior Vice President and Senior Credit Administrator following the Merger. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder is entitled to receive, upon consummation of the Merger, substantial monetary
payments in connection with the transactions contemplated by the Merger Agreement as a shareholder of Bank and/or pursuant to Shareholder&#146;s Change in Control Severance Agreement by and between Shareholder and Bank. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As an inducement to CVB to enter into the Merger Agreement, Shareholder agrees to refrain
from competing with and using trade secrets or soliciting customers or employees of Bank in accordance with the terms hereof. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">E.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as otherwise provided herein, each capitalized term shall have the meaning given to
such term in the Merger Agreement. As used in this Agreement, the following terms shall have the meanings set forth: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Cause</U>&#148; means Shareholder&#146;s (1)&nbsp;commission of (x)&nbsp;a significant act of dishonesty, deceit or breach of
fiduciary duty in the performance of his duties as an employee of CBB or (y)&nbsp;an act of dishonesty, deceit or moral turpitude that could reasonably be expected to cast CBB in an unfavorable light, (2)&nbsp;gross or willful failure in any way to
perform substantially the duties of his employment, after a written warning concerning performance is given to Shareholder which identifies the manner in which Shareholder has failed to perform such duties, or (3)&nbsp;willfully acted or failed to
act (x)&nbsp;in a manner which in the reasonable estimation of CBB constitutes insubordination or (y)&nbsp;in any other way that violates Shareholder&#146;s duties under this Agreement and that adversely affects CBB. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Customer</U>&#148; means any Person (i)&nbsp;with whom Bank has an existing relationship for Financial Services (as defined
below)&nbsp;from the date of execution of the Merger Agreement </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
until immediately prior to the Effective Time of the Merger, or (ii)&nbsp;who is a customer of the Surviving Corporation immediately prior to termination of Shareholder&#146;s employment with the
Surviving Corporation, if applicable. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Enterprise</U>&#148; means the provision of Financial Services conducted by Bank at any
time from the date of execution of the Merger Agreement until immediately prior to the Effective Time of the Merger. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Financial
Institution</U>&#148; means a &#147;depository institution&#148; as that term is defined in 12&nbsp;C.F.R. Section&nbsp;348.2, and any parent, Subsidiary or Affiliate thereof. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Financial Services</U>&#148; means the origination, purchasing, selling and servicing of commercial, real estate, residential,
construction and consumer loans or the solicitation and provision of deposit services and services related thereto. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Prospective
Customer</U>&#148; means any Person with whom Bank, CBB or the Surviving Corporation has actively pursued a relationship to provide Financial Services at any time between the date of execution of the Merger Agreement and the later of the
(i)&nbsp;Effective Time of the Merger or (ii)&nbsp;immediately prior to termination of Shareholder&#146;s employment with the Surviving Corporation, if applicable; <U>provided</U>, <U>however</U>, that in each case Shareholder was aware of such
pursuit of a relationship during Shareholder&#146;s service to Bank prior to the Effective Time; and <U>provided</U> <U>further</U>, that Bank&#146;s general solicitation for business, such as through television or media advertising, does not
constitute active pursuit of a relationship. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">&#147;<U>Trade Secrets</U>&#148; means all secrets and other confidential information,
ideas, knowledge, know-how, techniques, secret processes, improvements, discoveries, methods, inventions, sales, financial information, Customers, lists of Customers and Prospective Customers, plans, concepts, strategies or products, as well as all
documents, reports, drawings, designs, plans and proposals otherwise pertaining to same or relating to the business and properties of Bank of which Shareholder has acquired, or may hereafter acquire, knowledge and possession as a shareholder,
director, officer or employee of Bank or as a result of the transactions contemplated by the Merger Agreement, <U>provided</U> <U>however</U>, notwithstanding any other provisions of this Agreement to the contrary, &#147;Trade Secrets&#148; shall
not include any (i)&nbsp;information which is or has become available from a third party who learned the information independently and is not or was not bound by a confidentiality agreement with respect to such information; (ii)&nbsp;information
readily ascertainable from public, trade or other nonconfidential sources (other than as a result, directly or indirectly, of a disclosure or other dissemination in contravention of a confidentiality agreement); (iii)&nbsp;information that has been
acquired by Shareholder as a result of a professional relationship with a Customer or Prospective Customer unrelated to such Shareholder&#146;s services or relationship with Bank; or (iv)&nbsp;information relating to a Customer or Prospective
Customer that is disclosed to the Shareholder directly by such Customer or Prospective Customer. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the
premises and respective representations, warranties and covenants, agreements and conditions contained herein and in the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-2-2 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
Merger Agreement, and intending to be legally bound hereby, Shareholder and CBB agree as follows: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">ARTICLE I </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>ACKNOWLEDGMENTS BY
SHAREHOLDER </U></P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">Shareholder acknowledges that: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CVB would not enter into the Merger Agreement unless Shareholder agrees not to enter into
an activity that is competitive with or similar to the Enterprise in violation of this Agreement and that, accordingly, this Agreement is a material inducement for CVB to enter into and to carry out the terms of the Merger Agreement. Accordingly,
Shareholder expressly acknowledges that he is entering into this Agreement with CBB to induce CVB to enter into and carry out the terms of the Merger Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By virtue of his position with Bank, Shareholder has developed considerable expertise in
the business operations of Bank and has access to Trade Secrets. Shareholder recognizes that CVB and CBB would be irreparably damaged, and its substantial investment in Bank materially impaired, if Shareholder were to enter into an activity that is
competitive with or similar to the Enterprise in violation of the terms of this Agreement, if Shareholder were to disclose or make use of any Trade Secrets in violation of the terms of this Agreement, or if Shareholder were to solicit Customers,
Prospective Customers or employees of Bank in violation of the terms of this Agreement. Accordingly, Shareholder expressly acknowledges that he is voluntarily entering into this Agreement and that the terms and conditions of this Agreement are fair
and reasonable to Shareholder in all respects. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">ARTICLE II </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>NONCOMPETITION AND NONSOLICITATION </U></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Noncompetition</U>.&nbsp;&nbsp;From the date of this Agreement and for the period ending
on the expiration of the twenty-four (24)&nbsp;months after the Effective Time of the Merger (the &#147;<U>Applicable Period</U>&#148;), Shareholder shall not, directly or indirectly, without the prior written consent of CBB own, manage, operate,
control, or have any interest in the ownership, management, operation, or control of, or be connected as an officer, director, employee, partner, principal, agent, representative, or consultant with, any business or enterprise engaged in providing
Financial Services similar to the Enterprise within the Counties of Ventura, Santa Barbara or Los Angeles (the &#147;<U>Territory</U>&#148;). Notwithstanding the above, Shareholder shall not be deemed to be engaged directly or indirectly in any
business in contravention of the immediately preceding sentence, if (y)&nbsp;Shareholder participates in any such business solely (A)&nbsp;as an officer or director of CVB or CBB or (B)&nbsp;as a passive investor in up to 5% of the equity securities
or 10% of the debt securities of a company or partnership, provided such securities are publicly traded or (z)&nbsp;Shareholder is employed by a business or enterprise that is engaged primarily in a business other than the provision of Financial
Services which is competitive with or similar to the Enterprise and Shareholder does not apply in any manner his expertise at such business or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-2-3 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">
enterprise to that part of such business or enterprise that is competitive with or similar to the Enterprise. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nonsolicitation</U>.&nbsp;&nbsp;During the Applicable Period, Shareholder shall
not, directly or indirectly, without the prior written consent of CVB or CBB, on behalf of any Financial Institution, (i)&nbsp;solicit or aid in the solicitation of any Customers or Prospective Customers for Financial Services, or (ii)&nbsp;solicit
or aid in the solicitation of any officers or employees of the Bank or the Surviving Corporation, or (iii)&nbsp;induce or attempt to induce immediately any Person who is a Customer, Prospective Customer, supplier, distributor, officer or employee of
Bank or the Surviving Corporation immediately prior to the termination of Shareholder&#146;s employment with the Bank or the Surviving Corporation, as the case may be. The prohibitions set forth in this Section&nbsp;2.2 shall not apply to general
solicitations or attempted solutions by employment agencies (so long as the agency was not directed to solicit a Person otherwise subject to the prohibitions of this Section&nbsp;2.2) or the general advertising or general solicitations not
specifically directed at such Person(s). </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Trade
Secrets</U>.&nbsp;&nbsp;Without limiting the generality of the foregoing and at all times after the date hereof, other than for the benefit of Bank, or as otherwise approved by Bank, and, after the Effective Time of the Merger (as such term is
defined in the Merger Agreement), other than for the benefit of the CVB and/or CBB or as otherwise approved by CVB or CBB, Shareholder (i)&nbsp;shall make no use of the Trade Secrets, or any other part thereof, (ii)&nbsp;shall not disclose the Trade
Secrets, or any part thereof, to any other Person, and (iii)&nbsp;shall deliver, on and after the Effective Time of the Merger, upon the request of CBB, all documents, reports, drawings, designs, plans, proposals and other tangible evidence of Trade
Secrets, now possessed or hereafter acquired by Shareholder, to CVB and/or CBB. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exceptions</U>.&nbsp;&nbsp;Notwithstanding any provision of this Agreement to the
contrary, Shareholder may disclose or reveal any information, whether including in whole or in part any Trade Secrets, that: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder is required to disclose or reveal under any applicable Law, provided
Shareholder makes a good faith request that the confidentiality of the Trade Secrets be preserved and, to the extent not prohibited by applicable Laws, gives CBB prompt notice of such requirement in advance of such disclosure. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder is otherwise required to disclose or reveal by any Governmental Entity,
provided Shareholder makes a good faith request that the confidentiality of the Trade Secrets be preserved and, to the extent not prohibited by applicable Laws, gives CBB prompt notice of such requirement is advance of each disclosure; or </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon the advice of Shareholder&#146;s counsel, Shareholder is compelled to disclose or
else stand liable for contempt or suffer other censure or penalty imposed by any Governmental Entity, provided Shareholder makes a good faith request that the confidentiality of the Trade Secrets be preserved and, to the extent not prohibited by
applicable Laws, gives CBB prompt notice of such requirement in advance of such disclosure. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-2-4 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">ARTICLE III </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>INDEPENDENCE OF OBLIGATIONS </U></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">The covenants of Shareholder set forth in this Agreement shall be construed as independent of any other agreement or arrangement between
Shareholder, on the one hand, and CBB on the other, and the existence of any claim or cause of action by Shareholder against Bank, CBB, CVB, or any of their respective Affiliates (or the existence of any claim or cause of action by CBB or CVB
against Shareholder, as the case may be), shall not constitute a defense to the enforcement of such covenants against Shareholder, or against CBB or CVB, as the case may be. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">ARTICLE IV </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><U>GENERAL </U></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendments</U>.&nbsp;&nbsp;To the fullest extent permitted by Law, this Agreement
may be amended by agreement in writing of the parties hereto at any time. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Integration</U>.&nbsp;&nbsp;This Agreement constitutes the entire agreement
between the parties pertaining to the subject matter hereof and&nbsp;supersedes all prior agreements and understandings of the parties in connection therewith. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination.</U> </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall terminate automatically without further action in the event that the
Merger Agreement is terminated prior to the Effective Time of the Merger. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
sooner terminated pursuant to subsection (a)&nbsp;of this Section&nbsp;4.3, the obligations of Shareholder under Sections 2.1 and 2.2 shall terminate at the end of the Applicable Period; <U>provided</U>, <U>however</U>, if Shareholder accepts a
post-Merger position of employment with CBB and is so employed by CBB after the Merger, then Shareholder&#146;s obligations under Section&nbsp;2.1 shall terminate at such time prior to the end of the Applicable Period, if ever, that CBB (or a
successor of CBB) terminates Shareholder without Cause, reduces Shareholder&#146;s base salary, reduces Shareholder&#146;s bonus potential or reassigns Shareholder to a territory outside Ventura County, <U>provided</U> <U>further</U>, that if CBB
fails to offer Shareholder a post-Merger position of employment with CBB on the terms described in the offer letter provided by CBB to Shareholder on or prior to the date of this Agreement, then Shareholder&#146;s obligations under Section&nbsp;2.1
shall terminate at the Effective Time of the Merger. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless sooner terminated under
subsection (a)&nbsp;of this Section&nbsp;4.3, and except as provided in subsection (b)&nbsp;of this Section&nbsp;4.3, the obligations of Shareholder under this Agreement shall terminate only on the mutual agreement of Shareholder, on the one hand,
and CBB or the Surviving Corporation, on the other hand. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-2-5 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific
Performance</U>.&nbsp;&nbsp;Shareholder acknowledges and agrees that irreparable injury will result to CBB in the event of a breach of any of the provisions of this Agreement and that CBB may have no adequate remedy at law with respect thereto.
Accordingly, in the event of a material breach of this Agreement, and in addition to any other legal or equitable remedy CBB may have, Shareholder agrees that the entry of a preliminary injunction and a permanent injunction (including, without
limitation, specific performance) by a court of competent jurisdiction, to restrain the violation or breach thereof by Shareholder or any Affiliates, agents, or any other persons acting for or with Shareholder in any capacity whatsoever, is an
appropriate remedy for any such breach and that Shareholder will not oppose the granting of such relief on the basis that CBB has an adequate remedy at law. Shareholder submits to the jurisdiction of such court in any such action. In addition, after
discussing the matter with Shareholder, CBB shall have the right to inform any third party that CBB reasonably believes to be, or to be contemplating, participating with Shareholder or receiving from Shareholder assistance in violation of this
Agreement, of the terms of this Agreement and the rights of CBB hereunder, and that participation by any such persons with Shareholder in activities in violation of Shareholder&#146;s agreement with CBB set forth in this Agreement may give rise to
claims by CBB against such third party in addition to any other remedy to which they may be entitled at law or in equity. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.&nbsp;&nbsp;If any provision of this Agreement shall be held by a
court of competent jurisdiction to be unreasonable as to duration, activity or subject, it shall be deemed to extend only over the maximum duration, range of activities or subjects as to which such provision shall be valid and enforceable under
applicable Law. If any provisions shall, for any reason, be held by a court of competent jurisdiction to be invalid, illegal or unenforceable, such invalidity, illegality or unenforceability shall not affect any other provision of this Agreement,
but this Agreement shall be construed as if such invalid, illegal or unenforceable provision had never been contained herein. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.&nbsp;&nbsp;Any notice or communication required or permitted
hereunder, shall be deemed to have been given if in writing and (a)&nbsp;delivered in person, (b)&nbsp;delivered by confirmed facsimile transmission, (c)&nbsp;sent by overnight carrier, postage prepaid with return receipt requested or
(d)&nbsp;mailed by certified or registered mail postage prepaid with return receipt requested, addressed as follows: </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">If to CBB, addressed to: </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Citizens Business Bank </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">701
North Haven Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Ontario, California 91764 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Attention: Christopher D. Myers </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Fax No.: (909)&nbsp;483-7199 </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">With a copy
addressed to: </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Manatt, Phelps&nbsp;&amp; Phillips, LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">One Embarcadero Center, 30th Floor </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">San Francisco, California 94111 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-2-6 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Attention: Craig D. Miller, Esq. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:14%; font-size:12pt; font-family:Times New Roman">Fax No: (415)&nbsp;291-7474 </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">If to Shareholder,
addressed to: </P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="55%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Fax&nbsp;No:&nbsp;(&nbsp;&nbsp;&nbsp;&nbsp;)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">or at such other address and to the attention of such other person as a party may provide by notice to the other in accordance
with this Section&nbsp;4.6. Any such notice or communication shall be deemed received on the date delivered personally or delivered by confirmed facsimile transmission or on the next Business Day after it was sent by overnight carrier, postage
prepaid with return receipt requested or on the third Business Day after it was sent by certified or registered mail, postage prepaid with return receipt requested. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver of Breach</U>.&nbsp;&nbsp;Any failure or delay by CBB in enforcing any provision of
this Agreement shall not operate as a waiver thereof. The waiver by CBB of a breach of any provision of this Agreement by Shareholder shall not operate or be construed as a waiver of any subsequent breach or violation thereof. All waivers shall be
in writing and signed by the party to be bound. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment</U>.&nbsp;&nbsp;This Agreement
may be assignable by CBB only in connection with a sale of all or substantially all of its assets or a merger or reorganization in which it is not the surviving corporation. Any attempted assignment in violation of this prohibition shall be null and
void. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Binding Effect; Benefit to Successors</U>.&nbsp;&nbsp;This Agreement shall be
binding upon Shareholder and upon Shareholder&#146;s successor and representatives and shall inure to the benefit of CBB and its successors, representatives and assigns. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law</U>.&nbsp;&nbsp;This Agreement and the legal relations between the parties shall be
governed by and construed in accordance with the laws of the State of California applicable to contracts between California parties made and performed in this State. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Headings</U>.&nbsp;&nbsp;The descriptive headings of the several Articles and Sections of this Agreement
are inserted for convenience only and do not constitute a part of this Agreement. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; text-indent:7%; font-size:12pt; font-family:Times New Roman">4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.&nbsp;&nbsp;This Agreement may be executed in one or more counterparts, all of which
shall be considered one and the same agreement and shall become effective when one or more counterparts have been signed by each party hereto and delivered to each party hereto. Facsimiles containing original signatures shall be deemed for all
purposes to be originally signed copies of the documents which are the subject of such facsimiles. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-2-7 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:15%; font-size:12pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties to this Agreement have duly executed this Agreement as of the
day and year first above written. </P> <P STYLE="font-size:26pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">CITIZENS BUSINESS BANK</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="68"></TD>
<TD HEIGHT="68" COLSPAN="2"></TD>
<TD HEIGHT="68" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Christopher D. Myers</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="35"></TD>
<TD HEIGHT="35" COLSPAN="2"></TD>
<TD HEIGHT="35" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">RICHARD FAVOR</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="68"></TD>
<TD HEIGHT="68" COLSPAN="2"></TD>
<TD HEIGHT="68" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:12pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center">(Signature)</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">C-2-8 </P>

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