<SEC-DOCUMENT>0000950159-19-000264.txt : 20191209
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<ACCEPTANCE-DATETIME>20191209170459
ACCESSION NUMBER:		0000950159-19-000264
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		26
CONFORMED PERIOD OF REPORT:	20191204
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20191209
DATE AS OF CHANGE:		20191209

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Customers Bancorp, Inc.
		CENTRAL INDEX KEY:			0001488813
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				272290659
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35542
		FILM NUMBER:		191275883

	BUSINESS ADDRESS:	
		STREET 1:		1015 PENN AVENUE
		STREET 2:		SUITE 103
		CITY:			WYOMISSING
		STATE:			PA
		ZIP:			19610
		BUSINESS PHONE:		484-359-7113

	MAIL ADDRESS:	
		STREET 1:		1015 PENN AVENUE
		STREET 2:		SUITE 103
		CITY:			WYOMISSING
		STATE:			PA
		ZIP:			19610

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Customers 1st Bancorp, Inc.
		DATE OF NAME CHANGE:	20100408
</SEC-HEADER>
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<p style="font: 14pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>UNITED STATES</b></p>

<p style="font: 14pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>Washington, D.C. 20549</b></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>__________________</b></p>

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

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

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>Pursuant to Section 13 or 15(d) </b></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>of the</b></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>Securities Exchange Act of 1934</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>(Exact name of registrant as specified in
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><b>&#160;</b></p>

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<tr style="vertical-align: top">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0">Check the appropriate box below if the Form 8-K filing is
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Instructions A.2. below):</p>

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

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Securities registered pursuant to Section&#160;12(b) of the Act:</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
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<tr style="vertical-align: top">
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</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0 16.75pt 10.35pt 0">Indicate by check mark whether the registrant
is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2
of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0 0 5.25pt 4.5in">Emerging growth company <span id="xdx_909_edei--EntityEmergingGrowthCompany_c20191204__20191204_zKZhK1QKMjVg"><ix:nonNumeric contextRef="From2019-12-04to2019-12-04" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">[_]</ix:nonNumeric></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided
pursuant to Section 13(a) of the Exchange Act. [_]</p>


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    <div style="page-break-before: always; margin-top: 6pt"><table cellpadding="0" cellspacing="0" style="width: 100%"><tr><td style="text-align: center; width: 100%">&#160;</td></tr></table></div>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; color: #00B050">&#160;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 13%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif"><br />
<br />
</span><b>Item 1.01</b></td>
    <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&#160;</td>
    <td style="width: 84%; padding-right: 5.4pt; padding-left: 5.4pt"><b>Entry into a Material Definitive Agreement.</b></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">On December 4, 2019, Customers Bancorp, Inc. (the &#8220;Company&#8221;)
completed an underwritten public offering of $74,750,000 in aggregate principal amount of its 5.375% subordinated notes due 2034
(the &#8220;Subordinated Notes&#8221;) pursuant to an Underwriting Agreement (the &#8220;Underwriting Agreement&#8221;), dated
as of December 4, 2019, among the Company, Customers Bank, the Company&#8217;s wholly owned banking subsidiary (the &#8220;Bank&#8221;)
and B. Riley FBR, Inc., as representative of the underwriters (the &#8220;Underwriters&#8221;) named therein.&#160; The price to
the purchasers was 100% of the principal amount of the Subordinated Notes.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company estimates that the net proceeds from the offering, after
deducting underwriting discounts and estimated expenses, will be approximately $72,075,375. The Company expects to use the net
proceeds for general corporate purposes, which may include working capital and the funding of organic growth at the Bank. The Company
also may use a portion of the net proceeds to redeem shares of its preferred stock once they become redeemable, repurchase shares
of its common stock, or fund, in whole or in part, possible future acquisitions of other financial services businesses.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company and the Bank made certain customary representations,
warranties and covenants in the Underwriting Agreement concerning the Company and the Bank and the registration statement, prospectus,
prospectus supplements and other documents and filings relating to the offering of the Subordinated Notes. In addition, the Company
and the Bank have agreed to indemnify the Underwriters against certain liabilities, including liabilities under the Securities
Act of 1933, as amended. The foregoing summary description of the Underwriting Agreement is qualified in its entirety by reference
to that agreement, a copy of which is filed as Exhibit 1.1 to this Current Report on Form 8-K and is incorporated herein by reference.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company issued the Subordinated Notes pursuant to an Indenture
dated December 9, 2019 (the &#8220;Base Indenture&#8221;) between the Company and Wilmington Trust, National Association, as trustee
(the &#8220;Trustee&#8221;), as supplemented by a First Supplemental Indenture relating to the Subordinated Notes between the Company
and the Trustee dated December 9, 2019 (the &#8220;Supplemental Indenture&#8221; and together with the Base Indenture, the &#8220;Indenture&#8221;).</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The Subordinated Notes will bear interest at a rate of 5.375% per
year, payable quarterly in arrears on each March 30, June 30, September 30 and December 30 of each year beginning on March 30,
2020. The Subordinated Notes will mature on December 30, 2034. The Subordinated Notes will be unsecured and subordinated obligations
of the Company, subordinated in right of payment to the payment of all of the Company&#8217;s existing and future senior indebtedness
(as defined in the Indenture), whether secured or unsecured, including payment to all of the Company&#8217;s existing and future
general creditors, and effectively subordinated to any of the Company&#8217;s secured subordinated indebtedness. The Subordinated
Notes will be obligations of the Company only and will not be obligations of, and will not be guaranteed by, any of the Company&#8217;s
subsidiaries. As a result, the Subordinated Notes also will be structurally subordinated to all existing and future indebtedness,
deposits and other obligations and any preferred equity of the Company&#8217;s subsidiaries.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company may redeem the Subordinated Notes, in whole or in part,
at its option, beginning with the interest payment date of December 30, 2029 and on any interest payment date thereafter at a redemption
price equal to 100% of the principal amount of the Subordinated Notes to be redeemed, plus any accrued and unpaid interest to but
excluding the redemption date. The Company also may redeem the Subordinated Notes, at its option, at any time, including prior
to December 30, 2029, in whole, but not in part, at a redemption price equal to 100% of the principal amount of the Subordinated
Notes, plus any accrued and unpaid interest to but excluding the redemption date, upon the occurrence of a Tax Event, a Tier 2
Capital Event or if the Company is required to register as an investment company pursuant to the Investment Company Act of 1940,
as amended, as described in the First Supplemental Indenture. Any redemption of the Subordinated Notes will be subject to the prior
approval of the Board of Governors of the Federal Reserve System, to the extent that such approval is then required. The Subordinated
Notes will not be subject to repayment at the option of the holder at any time prior to maturity and will not be entitled to any
sinking fund.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The foregoing summary description of the Indenture, the First Supplemental
Indenture and the Subordinated Notes is qualified in its entirety by the terms of the Indenture, the First Supplemental Indenture
and the form of Subordinated Note, copies of which are filed as Exhibits 4.1, 4.2 and 4.3 to this Current Report on Form 8-K and
are incorporated herein by reference.</p>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The offering of the Subordinated Notes was made pursuant to the
Company&#8217;s effective registration statement on Form S-3 (Registration Statement No. 333-218483) previously filed with the
Securities and Exchange Commission (the &#8220;SEC&#8221;), including the prospectus contained therein, and the preliminary prospectus
supplement dated December 4, 2019 and final prospectus supplement dated December 4, 2019 filed by the Company with the SEC relating
to the offering of the Subordinated Notes.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">A copy of the opinion of Stradley Ronon Stevens &#38; Young, LLP
relating to the Subordinated Notes is attached as Exhibit 5.1 hereto.</p>

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

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 13%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; vertical-align: top"><span style="font: 10pt Times New Roman, Times, Serif"><br />
<br />
</span><b>Item 2.03</b></td>
    <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; vertical-align: bottom">&#160;</td>
    <td style="width: 84%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; vertical-align: bottom"><b>Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</b></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The information required by this Item 2.03 is contained in Item
1.01 above and is incorporated herein by reference.</p>

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

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 13%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><br />
<br />
</span><b>Item 8.01</b></td>
    <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; vertical-align: bottom">&#160;</td>
    <td style="width: 84%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; vertical-align: bottom"><b>Other Events.</b></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">On December 4, 2019, the Company issued a press release regarding
the commencement of its underwritten public offering of the Subordinated Notes. A copy of the press release is attached hereto
as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">On December 4, 2019, the Company issued a press release regarding
the pricing terms of its underwritten public offering of the Subordinated Notes. A copy of the press release is attached hereto
as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">On December 9, 2019, the Company issued a press release regarding
the closing of its underwritten public offering of the Subordinated Notes. A copy of the press release is attached hereto as Exhibit
99.3 to this Current Report on Form 8-K and is incorporated herein by reference.</p>

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

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 13%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif"><br />
<br />
</span><b>Item 9.01</b></td>
    <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&#160;</td>
    <td style="width: 84%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left; vertical-align: bottom"><b>Financial Statements and Exhibits.</b></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 4.4pt 0 0"><br /></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 4.4pt 0 0">(d) Exhibits.</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr>
    <td style="width: 8%">&#160;</td>
    <td style="vertical-align: bottom; width: 2%">&#160;</td>
    <td style="width: 90%">&#160;</td></tr>
<tr style="vertical-align: bottom">
    <td>
<div style="padding: 0in; border-bottom: Black 0.75pt solid">

        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>Exhibit</b></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>No.</b></p>
</div></td>
    <td>&#160;</td>
    <td>
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<tr>
    <td>&#160;</td>
    <td colspan="2">&#160;</td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">1.1</td>
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    <td style="vertical-align: top">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><a href="ex1-1.htm">Underwriting Agreement, dated December 4, 2019, by and among Customers Bancorp, Inc. Customers Bank and B. Riley FBR, Inc.</a></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p></td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">4.1</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><a href="ex4-1.htm">Indenture, dated as of December 9, 2019, between Customers Bancorp, Inc., as Issuer, and Wilmington Trust, National Association, as Trustee.</a></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p></td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">4.2</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><a href="ex4-2.htm">First Supplemental Indenture, dated as of December 9, 2019, between Customers Bancorp, Inc., as Issuer, and Wilmington Trust, National Association, as Trustee.</a></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</p></td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">4.3</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top"><a href="ex4-2.htm">Form of Subordinated Note (included in Exhibit 4.2).</a></td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">5.1</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top"><a href="ex5-1.htm">Opinion of Stradley Ronon Stevens &#38; Young, LLP.</a></td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">23.1</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top"><a href="ex5-1.htm">Consent of Stradley Ronon Stevens &#38; Young, LLP (included in Exhibit 5.</a>1).</td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">99.1</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top"><a href="ex99-1.htm">Press Release dated December 4, 2019 (commencement of public offering).</a></td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">99.2</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top"><a href="ex99-2.htm">Press Release dated December 4, 2019 (pricing terms of public offering).</a></td></tr>
<tr>
    <td style="vertical-align: top; padding-left: 8.8pt; text-align: center; text-indent: -8.8pt">99.3</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top"><a href="ex99-3.htm">Press Release dated December 9, 2019.</a></td></tr>
</table>

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

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

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

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

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&#160;</td>
    <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt">
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>CUSTOMERS BANCORP, INC.</b></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>&#160;</b></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">By: <span style="text-decoration: underline">/s/ Carla A. Leibold&#9;</span></p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Name: Carla A. Leibold</p>
        <p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Title: Executive Vice President - Chief Financial Officer and Treasurer</p></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0">Date:&#9;December 9, 2019</p>



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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: right">Exhibit 1.1</P>

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">$65,000,000</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">5.375% Subordinated Notes due December
30, 2034</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: right">December 4, 2019</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">299 Park Avenue, 21<SUP>st</SUP> Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">New York, New York 10171</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">as Representative of the several Underwriters</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Customers Bancorp,
Inc., a Pennsylvania corporation (the &#8220;<U>Company</U>&#8221;) and the holding company for Customers Bank (the &#8220;<U>Bank</U>&#8221;),
confirms its agreement with B. Riley FBR, Inc. (&#8220;B. Riley FBR&#8221;) and each of the other Underwriters named in <U>Schedule
I</U> hereto (collectively, the &#8220;<U>Underwriters</U>&#8221;), for whom B. Riley FBR is acting as representative (in such
capacity, the &#8220;<U>Representative</U>&#8221;), with respect to the issuance and sale by the Company and the purchase by the
Underwriters, acting severally and not jointly, of $65,000,000 aggregate principal amount of the Company&#8217;s 5.375% Subordinated
Notes due December 30, 2034 (the &#8220;<U>Initial Notes</U>&#8221;), as set forth opposite their respective names in <U>Schedule
I</U> hereto, and with respect to the grant by the Company to the Underwriters, acting severally and not jointly, of the option
described in Section 2(b) hereof to purchase all or any part of the additional Notes to cover over-allotments, if any. The aforementioned
$65,000,000 aggregate principal amount of Initial Notes and all or part of the $9,750,000 aggregate principal amount of Notes subject
to the option described in Section 2(b) hereof (the &#8220;<U>Option Notes</U>&#8221;) are hereinafter called, collectively, the
&#8220;Notes.&#8221; The Notes are to be issued pursuant to an indenture to be dated as of December 9, 2019 (the &#8220;<U>Base
Indenture</U>&#8221;) between the Company and Wilmington Trust, National Association, as trustee (the &#8220;<U>Trustee</U>&#8221;),
as supplemented by a supplemental indenture thereto to be dated as of December 9, 2019, between the Company and the Trustee (the
&#8220;<U>Supplemental Indenture</U>&#8221; and, together with the Base Indenture, the &#8220;<U>Indenture</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The Company understands
that the Underwriters propose to make a public offering of the Notes as soon as the Underwriters deem advisable after this Agreement
has been executed and delivered. Notes issued in book-entry form shall be issued to Cede &amp; Co. as nominee of The Depository
Trust Company (&#8220;<U>DTC</U>&#8221;) pursuant to a blanket issuer letter of representations entered into between the Company
and DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The Company has
filed with the Securities and Exchange Commission (the &#8220;<U>Commission</U>&#8221;) a registration statement on Form&nbsp;S&#45;3
(No. 333-218483), including the related preliminary prospectus or prospectuses, covering the registration of various securities,
including the Notes, under the Securities Act of 1933, as amended (the &#8220;<U>1933 Act</U>&#8221;). Such registration statement
is effective under the 1933 Act, the Indenture has been duly qualified under the Trust Indenture Act of 1939, as amended (the &#8220;<U>1939
Ac</U>t&#8221;), and the Company has filed such post-effective amendments thereto as may be required prior to the execution of
this Agreement and each such post-effective amendment is effective under the 1933 Act. Promptly after execution and delivery of
this Agreement, the Company will prepare and file a prospectus supplement with respect to the Notes in accordance with the provisions
of Rule&nbsp;430B (&#8220;<U>Rule&nbsp;430B</U>&#8221;) of the rules and regulations of the Commission under the 1933 Act (the
&#8220;<U>1933 Act Regulations</U>&#8221;) and paragraph&nbsp;(b) of Rule&nbsp;424 (&#8220;<U>Rule&nbsp;424(b)</U>&#8221;) of the
1933 Act Regulations. Any information included in each such prospectus supplement that was omitted from such registration statement
at the time it became effective but that is deemed to be part of such registration statement at the time it became effective pursuant
to Rule&nbsp;430B is referred to as &#8220;Rule&nbsp;430B Information.&#8221; Each base prospectus and prospectus supplement used
in connection with the offering of the Notes that omitted Rule&nbsp;430B Information is referred to herein collectively as a &#8220;preliminary
prospectus.&#8221; Such registration statement, at any given time, including any amendments thereto, including post-effective amendments,
the exhibits and any schedules thereto at such time, the documents incorporated by reference therein and the documents otherwise
deemed to be a part thereof or included therein by</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">the 1933 Act, is referred to herein
as the &#8220;<U>Registration Statement</U>&#894;&#8221; provided, however, that the term &#8220;Registration Statement&#8221;
without reference to a time means such registration statement as of the time of the first contract of sale for the Notes, which
time shall be considered the &#8220;new effective date&#8221; of such registration statement with respect to the Underwriters and
the Notes (within the meaning of Rule&nbsp;430B(f)(2)). The final base prospectus and the prospectus supplement, dated the date
hereof, including the documents incorporated by reference therein, are referred to herein collectively as the &#8220;<U>Prospectus</U>.&#8221;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">For purposes of
this Agreement, all references to the Registration Statement, any preliminary prospectus, the Prospectus or any term sheet or any
amendment or supplement to any of the foregoing shall be deemed to include the copy thereof filed with the Commission pursuant
to its Electronic Data Gathering, Analysis and Retrieval system (&#8220;<U>EDGAR</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">All references in
this Agreement to financial statements and schedules and other information which is &#8220;contained,&#8221; &#8220;included&#8221;
or &#8220;stated&#8221; in the Registration Statement, any preliminary prospectus, the Prospectus or the General Disclosure Package
(as defined herein) (or other references of like import) shall be deemed to mean and include all such financial statements and
schedules and other information which is incorporated by reference in the Registration Statement, any preliminary prospectus, the
Prospectus or the General Disclosure Package, as the case may be, prior to the execution of this Agreement; and all references
in this Agreement to amendments or supplements to the Registration Statement, any preliminary prospectus, the Prospectus or the
General Disclosure Package shall be deemed to include the filing of any document under the Securities Exchange Act of 1934, as
amended (the &#8220;<U>1934 Act</U>&#8221;), which is incorporated by reference in the Registration Statement, such preliminary
prospectus, the Prospectus or the General Disclosure Package, as the case may be, after the execution of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">For the purpose
of this Agreement, the term &#8220;subsidiary&#8221; or &#8220;subsidiaries&#8221; shall include each direct or indirect &#8220;significant
subsidiary&#8221; (as defined in Rule&nbsp;1-02 of Regulation&nbsp;S&#45;X) of the Company listed on <U>Schedule&nbsp;IV</U> hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">1.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Representations and Warranties</U>. <FONT STYLE="color: red"><STRIKE></STRIKE></FONT>(a)&nbsp;The Company represents
and warrants to each Underwriter as of the date hereof, as of the Applicable Time (as defined below) referred to in Section&nbsp;1(a)(i)
hereof, as of the Closing Date (as defined below) referred to in Section&nbsp;2(a) hereof and, if applicable, as of each Date of
Delivery (as defined below) referred to in Section 2(b) hereof, and agrees with each Underwriter, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(i) The Company is
eligible to use Form&nbsp;S&#45;3 for the offering of the Notes. Each of the Registration Statement and any post-effective amendment
thereto has become effective under the 1933 Act and no stop order suspending the effectiveness of the Registration Statement, or
any post-effective amendment thereto has been issued under the 1933 Act and no proceedings for that purpose have been instituted
by or are pending before or, to the knowledge of the Company, are threatened by the Commission, and any request on the part of
the Commission to the Company for additional information has been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Each of the Registration
Statement and any post-effective amendments thereto, at the time it became effective, at the Closing Date and at each Date of Delivery,
if any, complied and will comply with in all material respects the requirements of the 1933 Act, the 1933 Act Regulations, the
1939 Act and the rules and regulations of the Commission under the 1939 Act (the &#8220;<U>1939 Act Regulations</U>&#8221;) and
did not and will not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein
or necessary to make the statements therein not misleading; <I>provided</I>, <I>however</I>, that the Company makes no representations
or warranties as to that part of the Registration Statement which shall constitute the Statement of Eligibility and Qualification
(Form T-1) under the 1939 Act of the Trustee. Neither the Prospectus nor any amendments or supplements thereto, at the time the
Prospectus or any such amendment or supplement was delivered, at the Closing Date and at each Date of Delivery, if any, included
or will include an untrue statement of a material fact or omitted or will omit to state a material fact necessary in order to make
the statements therein, in the light of the circumstances under which they were made, not misleading; <I>provided</I>, <I>however</I>,
that this representation and warranty shall not apply to any statements or omissions made in reliance upon and in conformity with
information furnished in writing to the Company by any Underwriter through the Representative expressly for use therein, it being
understood and agreed that the only such information furnished by any Underwriter through the Representative consists of the information
described in Section&nbsp;6(b) hereof.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The Final Term Sheet
(as defined below), the Issuer-Represented General Free Writing Prospectus (as defined below) issued at or prior to the Applicable
Time and the Statutory Prospectus (as defined below), all considered together (collectively, the &#8220;<U>General Disclosure Package</U>&#8221;),
as of the Applicable Time did not, and as of the Closing Date and at each Date of Delivery, if any, will not, contain any untrue
statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of
the circumstances under which they were made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">As used in this
subsection and elsewhere in this Agreement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">&#8220;<U>Applicable
Time</U>&#8221; means 2:05&nbsp;p.m. (Eastern Time) on December 4, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">&#8220;<U>Final
Term Sheet</U>&#8221; means the final term sheet in the form set forth on <U>Schedule&nbsp;II</U> hereto, reflecting the final
terms of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">&#8220;<U>Issuer-Represented
Free Writing Prospectus</U>&#8221; means any &#8220;issuer free writing prospectus,&#8221; as defined in Rule&nbsp;433 of the 1933
Act Regulations (&#8220;<U>Rule&nbsp;433</U>&#8221;), relating to the Notes that (i)&nbsp;is required to be filed with the Commission
by the Company or (ii)&nbsp;is exempt from filing pursuant to Rule&nbsp;433(d)(5)(i) because it contains a description of the Notes
or of the offering that does not reflect the final terms, in each case in the form filed or required to be filed with the Commission
or, if not required to be filed, in the form retained in the Company&#8217;s records pursuant to Rule&nbsp;433(g).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">&#8220;<U>Issuer-Represented
General Free Writing Prospectus</U>&#8221; means any Issuer-Represented Free Writing Prospectus that is intended for general distribution
to prospective investors, as evidenced by its being specified in <U>Schedule&nbsp;III</U> hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">&#8220;<U>Statutory
Prospectus</U>&#8221; as of any time means the prospectus relating to the Notes that is included in the Registration Statement
immediately prior to that time, including any document incorporated by reference therein and any prospectus supplement deemed to
be a part thereof. For purposes of this definition, information contained in a form of prospectus that is deemed retroactively
to be a part of the Registration Statement pursuant to Rule&nbsp;430B shall be considered to be included in the Statutory Prospectus
as of the actual time that form of prospectus is filed with the Commission pursuant to Rule&nbsp;424(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Each Issuer-Represented
Free Writing Prospectus, as of its issue date and at all subsequent times through the completion of the public offer and sale of
the Notes or until any earlier date that the Company notified or notifies the Underwriters, did not contain any untrue statement
of material fact or omit to state a material fact necessary to make the statements therein, in the light of the circumstances under
which they were made, not misleading and, did not, does not and will not include any information that conflicted, conflicts or
will conflict in any material respects with the information contained in the Registration Statement, the Prospectus, including
any document incorporated by reference therein, and any preliminary prospectus, the Statutory Prospectus or the Prospectus that
has not been superseded or modified&#894; <I>provided</I>, <I>however</I>, that this representation and warranty shall not apply
to any statements or omissions made in reliance upon and in conformity with information furnished in writing to the Company by
any Underwriter through the Representative expressly for use therein, it being understood and agreed that the only such information
furnished by any Underwriter through the Representative consists of the information described in Section&nbsp;6(b) hereof. If at
any time following issuance of an Issuer-Represented Free Writing Prospectus there occurred or occurs an event or development as
a result of which such Issuer-Represented Free Writing Prospectus conflicted or would conflict with the information then contained
in the Registration Statement in any material respect or as a result of which such Issuer-Represented Free Writing Prospectus,
if republished immediately following such event or development, would include an untrue statement of a material fact or omitted
or would omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under
which they were made, not misleading, (i)&nbsp;the Company has notified or will promptly notify the Underwriters and (ii)&nbsp;the
Company has amended or will promptly amend or supplement such Issuer&#45;Represented Free Writing Prospectus to eliminate or correct
such material conflict, untrue statement or omission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(ii) (a)&nbsp;The
documents incorporated or deemed to be incorporated by reference in the Registration Statement, the General Disclosure Package
and the Prospectus, at the time they were filed with the Commission, complied, in each case, in all material respects with the
applicable requirements of the 1934 Act and the rules and regulations of the Commission thereunder (the &#8220;<U>1934 Act Regulations</U>&#8221;)
and, when read together with the other</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">information in the Registration Statement,
the General Disclosure Package and the Prospectus, at the time the Registration Statement became effective, or any amendment thereto
became effective, at the time the Prospectus was issued, at the Closing Date and at each Date of Delivery, if any, did not and
will not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary
to make the statements therein not misleading and (b)&nbsp;any further documents hereafter filed pursuant to the 1934 Act and incorporated
or deemed to be incorporated by reference in the Registration Statement, the General Disclosure Package and the Prospectus, when
they are filed with the Commission, will comply, in each case, in all material respects with the applicable requirements of the
1934 Act and the 1934 Act Regulations and, when read together with the other information in the Registration Statement, the General
Disclosure Package and the Prospectus, at the time the Prospectus was issued, at the Closing Date and at each Date of Delivery,
if any, did not and will not contain an untrue statement of a material fact or omit to state a material fact required to be stated
therein or necessary to make the statements therein not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(iii) Any preliminary
prospectus, the Prospectus and each Issuer-Represented Free Writing Prospectus when filed, if filed by electronic transmission,
pursuant to EDGAR (except as may be permitted by Regulation S-T under the 1933 Act), was identical to the copy thereof delivered
to the Underwriters for use in connection with the offer and sale of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(iv) The consolidated
financial statements of the Company, including the related schedules and notes, filed with the Commission as a part of the Registration
Statement and included in any preliminary prospectus and the Prospectus (the &#8220;<U>Financial Statements</U>&#8221;) present
fairly the consolidated financial position of the Company and its consolidated subsidiaries as of and at the dates indicated and
the consolidated results of their operations, changes in shareholders&#8217; equity and cash flows of the Company and its consolidated
subsidiaries for the periods specified. Such Financial Statements, unless otherwise noted therein, have been prepared in conformity
with generally accepted accounting principles in effect in the United States (&#8220;<U>GAAP</U>&#8221;) applied on a consistent
basis throughout the periods involved. The selected financial data included in the Registration Statement, the General Disclosure
Package and the Prospectus present fairly in all material respects the information therein and have been prepared on a basis consistent
with that of the audited consolidated financial statements contained in the Registration Statement, any preliminary prospectus
and the Prospectus. No other financial statements or supporting schedules are required to be included in the Registration Statement,
any preliminary prospectus and the Prospectus. To the extent applicable, all disclosures contained in the Prospectus regarding
&#8220;non-GAAP financial measures&#8221; as such term is defined by the rules and regulations of the Commission comply in all
material respects with Regulation G of the 1934 Act, the rules and regulations of the Commission under the 1934 Act (the &#8220;<U>1934
Act Regulations</U>&#8221;) and Item&nbsp;10(e) of Regulation S-K. The pro&nbsp;forma financial statements included in the Registration
Statement, the General Disclosure Package and Prospectus, if any, present fairly in all material respects the information shown
therein, have been prepared in accordance with the Commission&#8217;s rules and guidelines with respect to pro&nbsp;forma financial
statements, and have been properly compiled on the bases described therein, and the assumptions used in the preparation thereof
are reasonable and the adjustments used therein are appropriate to give effect to the transactions and circumstances referred to
therein. The interactive data in eXtensible Business Reporting Language included in the Registration Statement, the General Disclosure
Package and the Prospectus presents fairly in all material respects the information included therein and has been prepared in all
material respects in accordance with the Commission&#8217;s rules and guidelines applicable thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(v) BDO USA, LLP (&#8220;<U>BDO</U>&#8221;),
the independent registered public accounting firm that audited certain of the financial statements of the Company and its subsidiaries
that are included in the Registration Statement and the Prospectus, are independent public accountants as required by the 1933
Act and the 1933 Act Regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(vi) Deloitte &amp;
Touche LLP (&#8220;<U>Deloitte</U>&#8221;), the independent registered public accounting firm that reviewed certain of the financial
statements of the Company and its subsidiaries that are included in the Registration Statement and the Prospectus, are independent
public accountants as required by the 1933 Act and the 1933 Act Regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(vii) Nothing has
come to the attention of the Company that has caused the Company to believe that the statistical and market-related information
included or incorporated by reference in the Registration Statement, the General Disclosure Package and the Prospectus is not based
on or derived from sources that are reliable and accurate in all material respects.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(viii) This Agreement
has been duly authorized, executed and delivered by the Company and, when duly executed by the Representative, will constitute
the valid and binding agreement of the Company enforceable against the Company in accordance with its terms, except as enforceability
thereof may be limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws relating to or affecting creditors&#8217;
rights generally or by general equitable principles (regardless of whether such enforceability is considered in a proceeding in
equity or at law) and except as any indemnification or contribution provisions thereof may be limited under applicable securities
laws and banking laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(ix) Since the date
of the most recently dated audited consolidated balance sheet contained in the Financial Statements, (A)&nbsp;the Company and its
subsidiaries, considered as one enterprise, have not sustained any material loss or material interference with its business from
fire, explosion, flood or other calamity, whether or not covered by insurance, or from any labor dispute or court or governmental
action, order or decree, and there has not been any material change in the capital stock or long-term debt of the Company and its
subsidiaries or any material adverse change in or affecting the general affairs, management, earnings, business, properties, assets,
consolidated financial position, business prospects, consolidated shareholders&#8217; equity or consolidated results of operations
of the Company and its subsidiaries considered as one enterprise, whether or not arising in the ordinary course of business (a
&#8220;<U>Material Adverse Effect</U>&#8221;), in each case in this clause&nbsp;(A) other than as set forth or contemplated in
the Registration Statement, the General Disclosure Package and the Prospectus, (B)&nbsp;there have been no transactions entered
into by the Company or any of its subsidiaries which are material with respect to the Company and its subsidiaries considered as
one enterprise, otherwise than as set forth or contemplated in the Registration Statement, the General Disclosure Package and the
Prospectus and (C)&nbsp;there has been no dividend or distribution of any kind declared, paid or made by the Company on any class
of its capital stock, otherwise than as set forth or contemplated in the Registration Statement, the General Disclosure Package
and the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(x) The Company and
its subsidiaries have good and marketable title to all real property and good and marketable title to all personal property owned
by them, in each case free and clear of all mortgages, pledges, security interests, claims, restrictions, liens, encumbrances and
defects except such as are described generally in the Registration Statement, the General Disclosure Package and the Prospectus
or such as would not have a Material Adverse Effect and any real property and buildings held under lease by the Company and its
subsidiaries are held by them under valid, subsisting and enforceable leases with such exceptions as are not material and do not
interfere with the use made and proposed to be made of such property and buildings by the Company and its subsidiaries, and neither
the Company nor any subsidiary has received any written or oral notice of any material claim of any sort that has been asserted
by anyone adverse to the rights of the Company or any subsidiary under any of the leases or subleases mentioned above, or affecting
or questioning the rights of the Company or such subsidiary to the continued possession of the leased or subleased premises under
any such lease or sublease.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xi) The Company is
a registered bank holding company under the Bank Holding Company Act, and has been duly incorporated and is presently subsisting
as a corporation in good standing under the laws of the Commonwealth of Pennsylvania, with the corporate power and authority to
own, lease and operate its properties and to conduct its business as described in the Registration Statement, the General Disclosure
Package and the Prospectus and to enter into and perform its obligations under this Agreement. The Company is duly qualified as
a foreign corporation to transact business and is in good standing under the laws of each other jurisdiction in which such qualification
is required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure to
so qualify or to be in good standing would not reasonably be expected to result in a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xii) Each of the
Company&#8217;s subsidiaries, has been duly incorporated or organized and is validly subsisting or existing as a corporation or
limited liability company in good standing under the laws of the jurisdiction of its incorporation or organization, has corporate
or limited liability company power and authority to own, lease and operate its properties and to conduct its business as described
in the Registration Statement, the General Disclosure Package and the Prospectus and is duly qualified as a foreign entity to transact
business and is in good standing in each jurisdiction in which such qualification is required, whether by reason of the ownership
or leasing of property or the conduct of business, except in each case where the failure so to qualify or to be in good standing
would not result in a Material Adverse Effect. The activities of the Company&#8217;s subsidiaries are permitted of subsidiaries
of a bank holding company under applicable law and the rules and regulations of the Federal Reserve Board (the &#8220;<U>FRB</U>&#8221;)
set forth in Title&nbsp;12 of the Code of Federal Regulations. Except as otherwise disclosed in the</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">Registration Statement, the General
Disclosure Package and the Prospectus, all of the issued and outstanding capital stock or membership interests of each such subsidiary
has been duly authorized and validly issued, is fully paid and non-assessable (to the extent applicable) and is owned by the Company,
directly or through subsidiaries, free and clear of any security interest, mortgage, pledge, lien, encumbrance, claim or equity.
None of the outstanding shares of capital stock or membership interests of any subsidiary was issued in violation of the preemptive
or similar rights of any securityholder of such subsidiary. There are no outstanding rights, warrants or options to acquire or
instruments convertible into or exchangeable for any capital stock or equity securities of any of the subsidiaries. Except as otherwise
disclosed in the Registration Statement, the General Disclosure Package and the Prospectus, no subsidiary of the Company is currently
prohibited, directly or indirectly, from paying any dividends to the Company, from making any other distributions on such subsidiary&#8217;s
capital stock or common securities, from repaying to the Company any loans or advances to such subsidiary from the Company or from
transferring any of such subsidiary&#8217;s property or assets to the Company or any other subsidiary of the Company. Schedule
IV hereto lists each of the Company&#8217;s direct and indirect subsidiaries that is a &#8220;significant subsidiary&#8221; as
defined in Rule 1-02 of Regulation S-X.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xiii) The Company
has an authorized capitalization as set forth in the Registration Statement, the General Disclosure Package and the Prospectus
under the heading &#8220;Capitalization,&#8221; and all of the issued shares of capital stock of the Company have been duly and
validly authorized and issued, are fully paid and non-assessable and have been issued in compliance with applicable federal and
state securities laws. None of the outstanding shares of capital stock were issued in violation of any preemptive rights, rights
of first refusal or other similar rights to subscribe for or purchase securities of the Company. The description of the Company&#8217;s
stock option, stock bonus and other stock plans or compensation arrangements and the options or other rights granted thereunder,
incorporated by reference in the Registration Statement, the General Disclosure Package and the Prospectus, accurately and fairly
presents, in all material respects, the information required to be described therein with respect to such plans, arrangements,
options and rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xiv) Except as described
in each of the General Disclosure Package and Prospectus, (A)&nbsp;there are no outstanding rights (contractual or otherwise),
warrants or options to acquire, or instruments convertible into or exchangeable for, or agreements or understandings with respect
to the sale or issuance of, the Notes and (B)&nbsp;there are no contracts, agreements or understandings between the Company and
any person granting such person the right to require the Company to include any securities of the Company for resale in the Prospectus
relating to the offer and sale of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xv) The Base Indenture
has been duly authorized by the Company and duly qualified under the 1939 Act and, when duly executed and delivered by the Company
and the Trustee, will constitute the valid and legally binding agreement of the Company, enforceable against the Company in accordance
with its terms, except as enforceability may be limited by bankruptcy, insolvency (including, without limitation, all laws relating
to fraudulent transfers), reorganization, moratorium or similar laws affecting enforcement of creditors&#8217; rights generally
or by general principles of equity (regardless of whether enforcement is considered in a proceeding in equity or at law and except
as any indemnification or contribution provisions thereof may be limited under applicable securities laws and banking laws). The
Supplemental Indenture has been duly authorized by the Company and, when duly executed and delivered by the Company and the Trustee,
will constitute the valid and legally binding agreement of the Company, enforceable against the Company in accordance with its
terms, except as enforceability may be limited by bankruptcy, insolvency (including, without limitation, all laws relating to fraudulent
transfers), reorganization, moratorium or similar laws affecting enforcement of creditors&#8217; rights generally or by general
principles of equity (regardless of whether enforcement is considered in a proceeding in equity or at law and except as any indemnification
or contribution provisions thereof may be limited under applicable securities laws and banking laws).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xvi) The Notes to
be issued and sold by the Company to the Underwriters hereunder have been duly and validly authorized and, when delivered to and
paid for by the Underwriters, will have been duly executed by the Company in accordance with the provisions of the Indenture. The
Notes, when authenticated, issued and delivered in the manner provided for in the Indenture and delivered against payment of the
purchase price for the Notes as provided in this Agreement, will constitute valid and legally binding obligations of the Company
enforceable against the Company in accordance with their terms and the terms of the Indenture, except as enforceability may be
limited by bankruptcy, insolvency (including, without limitation, all laws relating to</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">fraudulent transfers), reorganization,
moratorium or similar laws affecting enforcement of creditors&#8217; rights generally or by general principles of equity (regardless
of whether enforcement is considered in a proceeding in equity or at law and except as any indemnification or contribution provisions
thereof may be limited under applicable securities and banking laws), and will be entitled to the benefits of the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xvii) The description
of the Notes and the description of the Base Indenture and the Supplemental Indenture contained in the Registration Statement,
the General Disclosure Package and the Prospectus conforms in all material respects to the form of Note, the form of Base Indenture
and the form of Supplemental Indenture, as applicable, and the Notes, the Base Indenture and the Supplemental Indenture will be
in substantially the respective form filed or incorporated by reference, as the case may be, as an exhibit to the Current Report
on Form&nbsp;8&#45;K filed in connection with the closing of the offer and sale of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xviii) The issue
and sale of the Notes by the Company and the compliance by the Company with all of the provisions of this Agreement and the consummation
by the Company of the transactions herein contemplated have been duly authorized by all necessary corporate action of the Company
and do not and will not, whether with or without the giving of notice or passage of time or both, (A)&nbsp;conflict with or result
in a breach or violation of any of the terms or provisions of, or constitute a default or result in a Repayment Event (as defined
below) under, any indenture, mortgage, deed of trust, loan agreement or other agreement or instrument to which the Company or any
of its subsidiaries is a party or by which the Company or any of its subsidiaries is bound or to which any of the property or assets
of the Company or any of its subsidiaries is subject, (B)&nbsp;result in any violation of the provisions of the certificate of
incorporation, certificate of organization, certificate of formation, articles of incorporation, articles of association, or charter
(as applicable), bylaws or other governing documents of the Company or any of its subsidiaries, or (C)&nbsp;subject to compliance
by all necessary persons with the applicable provisions of the Change in Bank Control Act of 1978 and Regulation Y promulgated
in part thereunder, result in any violation of any statute or any order, rule or regulation of any federal, state, local or foreign
court, arbitrator, regulatory authority or governmental agency or body (each a &#8220;<U>Governmental Entity</U>&#8221;) having
jurisdiction over the Company or any of its subsidiaries or any of their properties, except for, in the case of clauses&nbsp;(A)
and (C),&nbsp;those conflicts, breaches, violations, defaults or Repayment Events that would not result in a Material Adverse Effect.
No consent, approval, authorization, order, registration or qualification of or with any such court or governmental agency or body
is required for the issue and sale of the Notes, the performance by the Company of its obligations hereunder or the consummation
by the Company of the transactions contemplated by this Agreement, except the registration under the 1933 Act of the Notes and
except as may be required under the rules and regulations of the New York Stock Exchange (&#8220;<U>NYSE</U>&#8221;) or the Financial
Industry Regulatory Authority (&#8220;<U>FINRA</U>&#8221;) and such consents, approvals, authorizations, registrations or qualifications
as may be required under state securities or Blue Sky laws in connection with the purchase and distribution of the Notes by the
Underwriters. As used herein, a &#8220;<U>Repayment Event</U>&#8221; means any event or condition, the occurrence or existence
of which gives the holder of any note, debenture or other evidence of indebtedness (or any person acting on such holder&#8217;s
behalf) the right to require the repurchase, redemption or repayment of all or a portion of such indebtedness by the Company or
any subsidiary prior to its scheduled maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xix) Neither the
Company nor any of its subsidiaries is (A)&nbsp;in violation of its certificate of incorporation, certificate of organization,
certificate of formation, articles of incorporation, articles of association or charter (as applicable), or its bylaws or other
governing documents or (B)&nbsp;in breach, violation or default (with or without notice or lapse of time or both) of any obligation,
agreement, covenant or condition contained in any indenture, mortgage, deed of trust, loan or credit agreement, note, lease or
other agreement or instrument to which it is a party or by which it or any of its properties may be bound or to which any of the
property or assets of the Company or any subsidiary is subject, except in each case for such breaches, violations or defaults that
would not result in a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xx) Except as disclosed
in the Registration Statement, the General Disclosure Package and the Prospectus, the Company and its subsidiaries have conducted
and are conducting their respective businesses in compliance in all material respects with all federal, state, local and foreign
statutes, laws, rules, regulations, decisions, directives and orders applicable to them (including, without limitation, all regulations
and orders of, or agreements with, the FRB, the Pennsylvania Department of Banking and Securities (the &#8220;<U>PDB</U>&#8221;)
and the Federal Deposit Insurance Corporation (the &#8220;<U>FDIC</U>&#8221;), the Equal Credit Opportunity Act, the Fair Housing
Act, the Community Reinvestment Act, the Home Mortgage Disclosure Act, all other applicable fair lending laws or other</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">laws relating to discrimination and
the Bank Secrecy Act and Title&nbsp;III of the USA Patriot Act), and neither the Company nor any of its subsidiaries has received
any written or oral communication from any Governmental Entity asserting that the Company or any of its subsidiaries is not in
material compliance with any statute, law, rule, regulation, decision, directive or order.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxi) There are no
legal or governmental actions or suits, investigations, inquiries or proceedings before or by any court or Governmental Entity,
now pending or, to the knowledge of the Company, threatened or contemplated, to which the Company or any of its subsidiaries is
a party or of which any property of the Company or any of its subsidiaries is the subject (A)&nbsp;that are required to be disclosed
in the Registration Statement by the 1933 Act or the 1933 Act Regulations and is not disclosed therein or (B)&nbsp;which, if determined
adversely to the Company or any of its subsidiaries, would be reasonably expected to result, individually or in the aggregate,
in a Material Adverse Effect&#894; all pending legal or governmental proceedings to which the Company or any of its subsidiaries
is a party or of which any of their property is the subject which are not described in the Registration Statement, including ordinary
routine litigation incidental to their respective businesses, are not reasonably expected to result, individually or in the aggregate,
in a Material Adverse Effect, and there are no contracts or documents of the Company or any of its subsidiaries which would be
required to be described in the Registration Statement or to be filed as exhibits thereto by the 1933 Act or the 1933 Act Regulations,
which have not been so described or filed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxii) Each of the
Company and its subsidiaries (A)&nbsp;possesses all permits, licenses, approvals, consents and other authorizations (collectively,
&#8220;<U>Governmental Licenses</U>&#8221;) of any Governmental Entity, (B)&nbsp;has made all filings, applications and registrations
with, any Governmental Entity necessary to permit the Company or such subsidiary to conduct the business now operated by the Company
or such subsidiary, and (C)&nbsp;is in compliance with the terms and conditions of all such Governmental Licenses, except where
the failure to so possess, file, apply, register or comply would not, individually or in the aggregate, have a Material Adverse
Effect. All of the Governmental Licenses currently held by the Company or any of its subsidiaries are valid and in full force and
effect, except where the invalidity of such Governmental Licenses or the failure of such Governmental Licenses to be in full force
and effect would not, individually or in the aggregate, have a Material Adverse Effect, and neither the Company nor any of its
subsidiaries has received any notice of proceedings relating to the revocation or modification of any such Governmental Licenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxiii) Except as
disclosed in the Registration Statement, the General Disclosure Package and the Prospectus or except as would not, individually
or in the aggregate, result in a Material Adverse Effect, (A)&nbsp;neither the Company nor any of its subsidiaries is in violation
of any federal, state or local statute, law, rule, regulation, ordinance, or code or any applicable judicial or administrative
interpretation thereof, including any judicial or administrative order, consent, decree or judgment, relating to pollution or protection
of human health, the environment (including, without limitation, ambient air, surface water, groundwater, land surface or subsurface
strata) or wildlife, including, without limitation, laws and regulations relating to the release or threatened release of chemicals,
pollutants, contaminants, wastes, toxic substances, hazardous substances, petroleum or petroleum products, asbestos-containing
materials or mold (collectively, &#8220;<U>Hazardous Materials</U>&#8221;) or to the manufacture, processing, distribution, use,
treatment, storage, disposal, transport or handling of Hazardous Materials (collectively, &#8220;<U>Environmental Laws</U>&#8221;),
(B)&nbsp;each of the Company and its subsidiaries has all permits, authorizations and approvals required to be held by it under
any applicable Environmental Laws and is in compliance in all material respects with the requirements of each such permit, authorization
and approval held by it, (C)&nbsp;there are no pending or, to the knowledge of the Company, threatened administrative, regulatory
or judicial actions, suits, demands, demand letters, claims, liens, notices of noncompliance or violation, investigation or proceedings
relating to any Environmental Law against the Company or any of its subsidiaries, and (D)&nbsp;there are no events or circumstances
that might reasonably be expected to form the basis of an order for clean-up or remediation, or an action, suit or proceeding by
any private party or Governmental Entity, against or affecting the Company or any of its subsidiaries relating to Hazardous Materials
or any Environmental Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxiv) The Company
and each of its subsidiaries own or possess adequate rights to use or can acquire on reasonable terms ownership or rights to use
all patents, patent applications, patent rights, licenses, trademarks, service marks, trade names, trademark registrations, service
mark registrations, copyrights and know-how (including trade secrets and other unpatented and/or unpatentable proprietary or confidential
information, systems or procedures and excluding generally commercially available &#8220;off the shelf&#8221; software programs
licensed pursuant to shrink wrap or &#8220;click and accept&#8221; licenses) and licenses (collectively, &#8220;<U>Intellectual
Property</U>&#8221;) necessary</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">for the conduct of their respective
businesses, except in each case where the failure to own or possess such rights would not, individually or in the aggregate, result
in a Material Adverse Effect, and have not received any notice of any claim of infringement or conflict with, any such rights of
others or any facts or circumstances that would render any Intellectual Property invalid or inadequate to protect the interest
of the Company or any of its subsidiaries therein, except in each case where such infringement or conflict (if the subject of any
unfavorable decision, ruling or finding) or invalidity or inadequacy, individually or in the aggregate, would not result in a Material
Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxv) No relationship,
direct or indirect, exists between or among the Company or any of its subsidiaries on the one hand, and the directors, officers,
shareholders, customers or suppliers of the Company or any of its subsidiaries on the other hand, which is required to be disclosed
in the Registration Statement and the Prospectus by the 1933 Act or the 1933 Act Regulations which has not been so disclosed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxvi) The Company
is not, and after giving effect to the offering and sale of the Notes, and after receipt of payment for the Notes and the application
of the net proceeds as described in each of the Registration Statement, the General Disclosure Package and the Prospectus, will
not, be required to register as an &#8220;investment company,&#8221; as such term is defined in the Investment Company Act of 1940,
as amended (the &#8220;<U>Investment Company Act</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxvii) The Company
is in compliance in all material respects with the provisions of the Sarbanes&#45;Oxley Act of 2002 and the rules and regulations
of the Commission thereunder applicable to the Company and as to which compliance is currently required by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxviii) Neither the
Company nor any of its subsidiaries, nor any affiliates of the Company or any of its subsidiaries, has taken or will take, directly
or indirectly, any action designed to or that would be reasonably expected to cause or result in stabilization or manipulation
of the price of any securities of the Company to facilitate the sale or resale of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxix) None of the
Company, its subsidiaries and, to the knowledge of the Company, their respective directors, officers, employees and agents and
other persons, in each case, acting on behalf of the Company or any of its subsidiaries has (A)&nbsp;used any corporate funds of
the Company or any of its subsidiaries to make any unlawful contribution, gift, entertainment or other unlawful expense relating
to political activity, (B)&nbsp;made any direct or indirect unlawful payment to any foreign or domestic government official or
employee from corporate funds of the Company or any of its subsidiaries, (C)&nbsp;violated or is in violation of any provision
of the Foreign Corrupt Practices Act of 1977, and the Company has instituted and maintains policies and procedures designed to
ensure compliance therewith, or (D)&nbsp;made any bribe, illegal rebate, payoff, influence payment, kickback or other unlawful
payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxx) The Company
and its subsidiaries maintain a system of internal accounting controls sufficient to provide reasonable assurances that (A)&nbsp;transactions
are executed in accordance with management&#8217;s general or specific authorization, (B)&nbsp;transactions are recorded as necessary
to permit preparation of financial statements in conformity with GAAP and to maintain accountability for assets, (C)&nbsp;access
to assets is permitted only in accordance with management&#8217;s general or specific authorization, and (D)&nbsp;the recorded
accountability for assets is compared with existing assets at reasonable intervals and appropriate action is taken with respect
to any differences. The Company and each of its subsidiaries maintain a system of internal control over financial reporting (as
such term is defined in Rule&nbsp;13a-15(f) and Rule&nbsp;15d-15(f) under the 1934 Act), that complies with the requirements of
the 1934 Act, as applicable to them; the Company&#8217;s internal control over financial reporting is effective; and since the
end of the Company&#8217;s most recent audited fiscal year, there has been (X)&nbsp;no material weakness in the Company&#8217;s
internal control over financial reporting (whether or not remediated) of which the Company is aware and (Y)&nbsp;no change in the
Company&#8217;s internal control over financial reporting that has materially affected adversely, or is reasonably likely to materially
affect adversely, the Company&#8217;s internal control over financial reporting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxi) The Company
maintains &#8220;disclosure controls and procedures&#8221; (as such term is defined in Rule&nbsp;13a-15(e) and Rule&nbsp;15d-15(e)
under the 1934 Act) that comply with the requirements of the 1934 Act that are applicable to an issuer that has a class of securities
registered under Section&nbsp;12 of the 1934 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxii) None of the
Company, the Bank and any of their subsidiaries is in violation of any order or directive from the FRB, the PDB, the FDIC, the
Commission or any regulatory authority to make any material</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">change in the method of conducting its
respective businesses. Except as disclosed in the Registration Statement, the General Disclosure Package and the Prospectus, neither
the Company nor any of its subsidiaries is subject or is party to, or has received any notice or advice that any of them may become
subject or party to, any investigation with respect to, any corrective, suspension or cease-and-desist order, agreement, consent
agreement, memorandum of understanding or other regulatory enforcement action, proceeding or order with or by, or is a party to
any commitment letter, or is subject to any directive by, or has been a recipient of any supervisory letter from any Regulatory
Agency (as defined below) that, in each case, currently relates to or materially restricts in any respect the conduct of their
business or that in any manner relates to capital adequacy, credit policies or management, nor at the request or direction of any
Regulatory Agency has the Company or any of its subsidiaries adopted any board resolution that is reasonably likely to have a Material
Adverse Effect (each, a &#8220;<U>Regulatory Agreement</U>&#8221;), nor has the Company or any of its subsidiaries been advised
by any Regulatory Agency that such Regulatory Agency is considering issuing or requesting any such Regulatory Agreement or any
such Regulatory Agreement is pending or, to the knowledge of the Company, threatened. Except as disclosed in the Registration Statement,
the General Disclosure Package and the Prospectus, the Company and its subsidiaries are each in substantial compliance with any
Regulatory Agreements, and there is no unresolved violation, criticism or exception by any Regulatory Agency with respect to any
report or statement relating to any examinations of the Company or any of its subsidiaries which, in the reasonable judgment of
the Company, currently results in or is expected to result in a Material Adverse Effect. As used herein, the term &#8220;<U>Regulatory
Agency</U>&#8221; means any Governmental Entity having supervisory or regulatory authority with respect to the Company or any of
its subsidiaries, including, but not limited to, any federal or state agency charged with the supervision or regulation of depositary
institutions or holding companies of depositary institutions, or engaged in the insurance of depositary institution deposits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxiii) Each &#8220;employee
benefit plan&#8221; (as defined under the Employee Retirement Income Security Act of 1974, as amended, and the regulations and
published interpretations thereunder (collectively, &#8220;<U>ERISA</U>&#8221;)) established or maintained by the Company, its
subsidiaries or their &#8220;ERISA Affiliates&#8221; (as defined below) is in compliance with ERISA, except where the failure to
be in compliance with ERISA would not result in a Material Adverse Effect. &#8220;ERISA Affiliate&#8221; means, with respect to
the Company or a subsidiary, any member of any group of organizations described in Section&nbsp;414(b), (c), (m) or (o) of the
Internal Revenue Code of 1986, as amended, and the regulations and published interpretations thereunder (the &#8220;<U>Code</U>&#8221;)
of which the Company or such subsidiary is a member. No &#8220;reportable event&#8221; (as defined under ERISA) has occurred or
is reasonably expected to occur with respect to any &#8220;employee benefit plan&#8221; established or maintained by the Company,
its subsidiaries or any of their ERISA Affiliates. The fair market value of the assets of each ERISA Affiliate defined benefit
pension plan exceeds the present value of such plan&#8217;s &#8220;benefit liabilities&#8221; (as defined in Section&nbsp;4001(a)(16)
of ERISA), and no ERISA Affiliate defined benefit pension plan has an &#8220;accumulated funding deficiency&#8221; (as defined
in Section&nbsp;302 of ERISA). None of the Company, its subsidiaries nor any of their ERISA Affiliates has incurred or reasonably
expects to incur any liability under (A)&nbsp;Title&nbsp;IV of ERISA with respect to termination of, or withdrawal from, any &#8220;employee
benefit plan&#8221; or (B)&nbsp;Sections&nbsp;412, 4971 or 4975 of the Code. Each &#8220;employee benefit plan&#8221; established
or maintained by the Company, its subsidiaries or any of their ERISA Affiliates that is intended to be qualified under Section&nbsp;401(a)
of the Code has received a favorable determination or opinion letter from the Internal Revenue Service regarding its qualification
under such section and, to the knowledge of the Company, its subsidiaries and its ERISA affiliates, nothing has occurred whether
by action or failure to act, which would cause the loss of such qualification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxiv) The Company
and its subsidiaries, taken as a whole, are insured by insurers of recognized financial responsibility against such losses and
risks and in such amounts as the Company reasonably believes are prudent and customary in the business in which the Company and
its subsidiaries are engaged. Neither the Company nor any of its subsidiaries has any reason to believe that it will not be able
to obtain insurance coverage from insurers similar to their current insurers as may be necessary to continue its business at a
cost that would not have a Material Adverse Effect. To the knowledge of the Company, neither the Company nor any subsidiary has
been denied any insurance coverage which it has sought or for which it has applied in any instance in which such insurance coverage
was offered by the carrier from which the Company or such subsidiary sought such coverage or to which it applied for such coverage.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxv) There are no
contracts, agreements or understandings between the Company and any person that would give rise to a valid claim against the Company,
or any Underwriter, for a brokerage commission, finder&#8217;s fee or other like payment in connection with the sale of the Notes.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxvi) The Company
and its subsidiaries have (i)&nbsp;filed all necessary federal, state and foreign income and franchise tax returns that they are
required to have filed or have properly requested extensions of the deadline for the filing therefor and all such tax returns as
filed are true, complete and correct in all material respects and (ii)&nbsp;have paid all taxes required to be paid by any of them,
other than such taxes as may be paid at a later date without any penalty or fine and except for any such tax, assessment, fine
or penalty that is currently being contested in good faith by appropriate actions and except for such taxes, assessments, fines
or penalties, the nonpayment or late payment of which would not, individually or in the aggregate, be reasonably expected to have
a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxvii) No labor
dispute with the employees of the Company or any subsidiary exists or, to the knowledge of the Company, is imminent, which, in
any case, would reasonably be expected to result in a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxviii) The operations
of the Company and its subsidiaries are and have been conducted at all times in compliance in all material respects with applicable
financial recordkeeping and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as amended,
money laundering statutes applicable to the Company and its subsidiaries, the rules and regulations thereunder and any related
or similar rules, regulations or guidelines, issued, administered or enforced by any governmental agency (collectively, the &#8220;<U>Money
Laundering Laws</U>&#8221;), and no action, suit or proceeding by or before any court or governmental agency, authority or body
or any arbitrator involving the Company or any of its subsidiaries with respect to the Money Laundering Laws is pending or, to
the knowledge of the Company, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xxxix) The Company
has not distributed and, prior to the later to occur of (i)&nbsp;the Closing Date and (ii)&nbsp;completion of the distribution
of the Notes, will not distribute any prospectus (as such term is defined in the 1933 Act and the 1933 Act Regulations) in connection
with the offering and sale of the Notes other than the Registration Statement, any preliminary prospectus, the Prospectus or such
other materials, if any, permitted by the 1933 Act or the 1933 Act Regulations and approved by the Representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xl) No forward-looking
statement (within the meaning of Section&nbsp;27A of the 1933 Act and Section&nbsp;21E of the 1934 Act) contained in the Registration
Statement, the General Disclosure Package, the Prospectus and any Issuer-Represented Free Writing Prospectus has been made or reaffirmed
without a reasonable basis or has been disclosed other than in good faith. No forward-looking statement (within the meaning of
Section&nbsp;27A of the Securities Act or Rule&nbsp;175 under the Securities Act) included or incorporated by reference in the
Registration Statement, the Preliminary Prospectus or the Prospectus has been made or reaffirmed without a reasonable basis or
has been disclosed other than in good faith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xli) Neither the
Company nor any of its subsidiaries has participated in any reportable transaction, as defined in Treasury Regulation Section&nbsp;1.6011-(4)(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xlii) Except as disclosed
in the Registration Statement, any preliminary prospectus and the Prospectus, each of the Company and its subsidiaries has good
and indefeasible title to all securities held by it (except securities sold under repurchase agreements, pledged to secure deposits
or derivative contracts or held in any fiduciary or agency capacity) free and clear of any lien, claim, charge, option, encumbrance,
mortgage, pledge or security interest or other restriction of any kind, except to the extent such securities are pledged in the
ordinary course of business consistent with prudent business practices to secure obligations of the Company or any of its subsidiaries
and except for such defects in title or liens, claims, charges, options, encumbrances, mortgages, pledges or security interests
or other restrictions of any kind that would not, individually or in the aggregate, result in a Material Adverse Effect. Such securities
are valued on the books of the Company and its subsidiaries in accordance with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xliii) Any and all
material swaps, caps, floors, futures, forward contracts, option agreements (other than employee stock options and restricted stock
units) and other derivative financial instruments, contracts or arrangements, whether entered into for the account of the Company
or one of its subsidiaries or for the account of a customer of the Company or one of its subsidiaries, were entered into in the
ordinary course of business and in accordance with prudent business practice and applicable laws, rules, regulations and policies
of all applicable regulatory agencies and with counterparties believed to be financially responsible at the time of execution of
such instruments, contracts or arrangements. The Company and each of its subsidiaries have duly performed all of their</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">respective obligations thereunder to
the extent that such obligations to perform have accrued, and there are no breaches, violations or defaults or allegations or assertions
of such by any party thereunder, except for such breaches, violations, defaults, allegations or assertions that, individually or
in the aggregate, would not result in a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xliv) Neither the
Company nor, to the knowledge of the Company, any director, officer, agent, employee or affiliate of the Company is (a)&nbsp;currently
subject to any U.S.&nbsp;sanctions administered by the Office of Foreign Assets Control of the U.S.&nbsp;Treasury Department (&#8220;<U>OFAC</U>&#8221;)&#894;
or (b)&nbsp;located, organized or resident in a country or territory that is the subject of such sanctions (including, without
limitation, Burma/Myanmar, Cuba, Iran, North Korea, Sudan and Syria). The Company will not, directly or indirectly, use the proceeds
of the offering contemplated hereby, or lend, contribute or otherwise make available such proceeds to any of its subsidiaries,
any joint venture partner of the Company or any of its subsidiaries or any other person or entity, for the purpose of financing
the activities of any person in, or engage in dealings or transactions with any person, or in any country, or territory, subject
to any U.S.&nbsp;sanctions administered by OFAC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xlv) Except as described
in the Registration Statement, the General Disclosure Package or the Prospectus, there are no material off-balance sheet transactions,
arrangements, obligations (including contingent obligations), or any other relationships with unconsolidated entities or other
persons to which the Company or any of its subsidiaries is a party, that would reasonably be expected to have, individually or
in the aggregate, a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xlvi) To the knowledge
of the Company, after due inquiry, there are no affiliations with any FINRA member firm among the Company&#8217;s officers, directors,
or principal shareholders, except as set forth in the Registration Statement, the General Disclosure Package and the Prospectus,
or as otherwise disclosed in writing to the Underwriters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xlvii) No &#8220;nationally
recognized statistical rating organization&#8221; (as defined in Section&nbsp;3(a)(62) of the 1934 Act) has (i)&nbsp;imposed (or
has informed the Company that it is considering imposing) any condition (financial or otherwise) to retain any rating assigned
to the Company or any of the subsidiaries or to any securities of the Company or any of the subsidiaries, or (ii)&nbsp;publicly
announced that it has placed under surveillance or review, with possible negative implications, its rating of the Company&#8217;s
debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(xlviii) (a) There
has been no security breach or incident, unauthorized access or disclosure, or other compromise of or relating to the Company&#8217;s,
the Bank&#8217;s or any of their subsidiaries&#8217; information technology and computer systems, networks, hardware, software,
data and databases (including the data and information of their respective customers, employees, suppliers, vendors and any third
party data maintained, processed or stored by the Company, the Bank and their subsidiaries, and any such data processed or stored
by third parties on behalf of the Company, the Bank and their subsidiaries), equipment or technology (collectively, &#8220;<U>IT
Systems and Data</U>&#8221;); (b) neither the Company, the Bank nor their subsidiaries have been notified of, and each of them
have no knowledge of any event or condition that could result in, any security breach or incident, unauthorized access or disclosure
or other compromise to their IT Systems and Data and (c) the Company, the Bank and their subsidiaries have implemented appropriate
controls, policies, procedures, and technological safeguards to maintain and protect the integrity, continuous operation, redundancy
and security of their IT Systems and Data reasonably consistent with industry standards and practices, or as required by applicable
regulatory standards. The Company, the Bank and their subsidiaries are presently in material compliance with all applicable laws
or statutes and all judgments, orders, rules and regulations of any court or arbitrator or governmental or regulatory authority,
internal policies and contractual obligations relating to the privacy and security of IT Systems and Data and to the protection
of such IT Systems and Data from unauthorized use, access, misappropriation or modification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(b) The Bank represents
and warrants to each Underwriter as of the date hereof, as of the Applicable Time referred to in Section&nbsp;1(a)(i) hereof, as
of the Closing Date referred to in Section&nbsp;2(a) hereof and, if applicable, as of each Date of Delivery (as defined below)
referred to in Section 2(b) hereof, and agrees with each Underwriter, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(i) The Bank has been
duly chartered as a bank in the Commonwealth of Pennsylvania and is presently subsisting as a corporation in good standing under
the laws of the Commonwealth of Pennsylvania with the corporate power and authority to own, lease and operate its properties and
conduct its business as described in</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">the Prospectus and to enter into and
perform its obligations under this Agreement. The Bank is the only depository institution subsidiary of the Company and the Bank
is a member in good standing of the Federal Home Loan Bank System. The Bank is duly qualified as a foreign corporation to transact
business and is in good standing in each other jurisdiction in which such qualification is required, whether by reason of the ownership
or leasing of property or the conduct of business, except where the failure to so qualify or to be in good standing would not reasonably
be expected to result in a Material Adverse Effect. The activities of the Bank and its subsidiaries are permitted under the laws
and regulations of the Commonwealth of Pennsylvania for state-chartered banks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(ii) The Bank is not
in violation of its articles of incorporation or bylaws or in default in the performance or observance of any obligation, agreement,
covenant or condition contained in any indenture, mortgage, deed of trust, loan agreement, note, lease or other agreement or instrument
to which it is a party or by which it or any of its properties may be bound or to which any of the property or assets of the Bank
is subject, except for such defaults that would not be expected to result in a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(iii) The deposit
accounts in the Bank are insured up to the applicable limits by the FDIC and no proceeding for the termination or revocation of
such insurance is pending or, to the knowledge of the Bank, threatened against the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(iv) This Agreement
has been duly authorized, executed and delivered by the Bank and, when duly executed by the Representative, will constitute the
valid and binding agreement of the Bank, enforceable against the Bank in accordance with its terms, except as enforceability may
be limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws relating to or affecting creditors&#8217;
rights generally or by general equitable principles (regardless of whether such enforceability is considered in a proceeding in
equity or at law) and except as any indemnification or contribution provisions thereof may be limited under applicable securities
laws and banking laws. The Bank has the full corporate power and authority to enter into this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 1in">(v) The execution
and delivery of this Agreement by the Bank and the compliance and performance by the Bank with the provisions of this Agreement
have been duly authorized by all necessary corporate action on the part of the Bank and do not and will not, whether with or without
the giving of notice or passage or time or both, (A) conflict with or result in a breach or violation of any of the terms or provisions
of, or constitute a default or result in a Repayment Event under, any indenture, mortgage, deed of trust, loan agreement or other
agreement or instrument to which the Bank or any of its subsidiaries is a party or by which the Bank or any of its subsidiaries
is bound or to which any of the property or assets of the Bank or any of its subsidiaries is subject, (B) result in any violation
of the provisions of the certificate of incorporation of the Bank or result in any violation of the provisions of the bylaws of
the Bank or (C) result in any violation of the provisions of any statute or any order, rule or regulation of any Governmental Entity
having jurisdiction over the Bank or any of its subsidiaries or any of their properties, except for, in the case of clauses&nbsp;(A)
and (C),&nbsp;those conflicts, breaches, violations, defaults or Repayment Events that would not result in a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(c) Any certificate
signed by an officer of the Company or the Bank, as applicable, and delivered to the Representative or to counsel for the Underwriters
in connection with the offering of Notes shall be deemed to be a representation and warranty by the Company or the Bank, as applicable,
to the Underwriters as to the matters set forth therein as of the date of such certificate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">2.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Sale and Delivery to Underwriters&#894; Closing</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(a) Subject to the
terms and conditions herein set forth, the Company agrees to issue and sell to each Underwriter, severally and not jointly, and
each Underwriter, severally and not jointly, agrees to purchase from the Company, at a purchase price equal to 96.85% of the aggregate
principal amount of the Notes, the respective principal amount of the Initial Notes set forth opposite such Underwriter&#8217;s
name in <U>Schedule I</U> hereto. Delivery to the Underwriters of and payment by the Representative for the Initial Notes shall
be made at a closing (the &#8220;<U>Closing</U>&#8221;) to be held at 10:00&nbsp;a.m., New York time, on December 9, 2019 (the
&#8220;<U>Closing Date</U>&#8221;) at Sidley Austin <FONT STYLE="font-variant: small-caps">llp</FONT>, 787 Seventh Avenue, New
York, NY 10019 (or at such other place as shall be reasonably acceptable to the Representative)&#894; provided, however, that if
the Closing has not taken place on the Closing Date because of a failure to satisfy one or more of the conditions specified in
Section&nbsp;5 hereof and this Agreement has not otherwise been terminated by the Representative in accordance with its terms,
&#8220;Closing Date&#8221; shall mean 10:00&nbsp;a.m. New York</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">time on the first business day following
the satisfaction (or waiver) of all such conditions after notification by the Company to the Representative of the satisfaction
(or waiver) of such conditions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(b) In addition,
on the basis of the representations, warranties and agreements herein contained and subject to the terms and conditions herein
set forth, the Company hereby grants an option to the Underwriters, severally and not jointly, to purchase up to an additional
$9,750,000 aggregate principal amount of Notes equal to the price per Initial Note plus accrued interest, if any, from December
9, 2019 to the date of delivery and payment. Such option will expire 30 days after the date of this Agreement and may be exercised
in whole or in part from time to time only for the purpose of covering over-allotments which may be made in connection with the
offering and distribution of the Initial Notes upon written notice by the Representative to the Company setting forth the number
of Option Notes to which the several Underwriters are then exercising the option and the time, date and place of payment and delivery
for such Option Notes (with the understanding that an email or other form of electronic communication agreed to by the parties
hereto shall constitute written notice for the purposes hereof). Any such time and date of payment and delivery (each, a &#8220;<U>Date
of Delivery</U>&#8221;) shall be determined by the Representative and the Company, but shall not be later than seven full business
days after the exercise of said option, nor in any event prior to the Closing Date, unless otherwise agreed upon by the Representative
and the Company. If the option is exercised as to all or any portion of the Option Notes, each of the Underwriters, severally and
not jointly, will purchase that proportion of the total number of Option Notes then being purchased which the number of Initial
Notes each such Underwriter has severally agreed to purchase bears to the total number of Initial Notes, subject to such adjustments
as the Representative in its discretion shall make to subject, in each case, to such adjustment as the Representative may determine
to ensure that the Option Notes are issued in minimum denominations of no less than $25 and whole multiples of $25 in excess thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(c) Payment for
the Notes shall be made by wire transfer of immediately available funds to the account(s) specified by the Company to the Representative
against delivery to the nominee of DTC, <FONT STYLE="background-color: white">for the respective accounts of the several Underwriters</FONT>,
of one or more global notes representing the Notes (collectively, the &#8220;<U>Global Note</U>&#8221;), with any transfer or other
taxes payable in connection with the sale of the Notes duly paid by the Company. The Global Note shall be made available to the
Representative for inspection at the office of Sidley Austin <FONT STYLE="font-variant: small-caps">llp</FONT> (or such other place
as shall be reasonably acceptable to the Representative) not later than 10:00&nbsp;a.m. New York time one business day immediately
preceding the Closing Date or the Date of Delivery, as the case may be. It is understood that each Underwriter has authorized the
Representative, for its account, to accept delivery of, receipt for, and make payment of the purchase price for, the Notes which
it has agreed to purchase. Securities to be represented by the Global Note will be deposited on the Closing Date or the Date of
Delivery, as the case may be, by or on behalf of the Company, with DTC or its designated custodian, and registered in the name
of Cede &amp; Co.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(d) The documents
to be delivered by or on behalf of the parties hereto, including the cross receipt for the Notes, will be delivered at 10:00&nbsp;A.M.
at the Closing Date or the Date of Delivery, as the case may be, at the offices of Sidley Austin <FONT STYLE="font-variant: small-caps">llp</FONT>,
787 Seventh Avenue, New York, NY 10019, or at such other time and date as the Representative and the Company may agree upon in
writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">3.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Covenants of the Company</U>. The Company further covenants and agrees with each Underwriter as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(a) The Company
will prepare the Prospectus in a form approved by the Representative and will file such Prospectus pursuant to Rule&nbsp;424(b)
under the 1933 Act not later than the Commission&#8217;s close of business on the second business day following the execution and
delivery of this Agreement, or, if applicable, such earlier time as may be required by Rule&nbsp;430B under the 1933 Act and will
make no further amendment or any supplement to the Registration Statement or the Prospectus that shall be reasonably disapproved
by the Representative promptly after reasonable notice thereof. The Company will advise the Representative, promptly after it receives
notice thereof, of the time when any amendment to the Registration Statement has been filed with the Commission or becomes effective
or any supplement to the Prospectus or any amended Prospectus has been filed with the Commission and furnish the Underwriters with
copies thereof and will advise the Underwriters, promptly after it receives notice thereof, of the issuance by the Commission of
any stop order with respect to the Registration Statement or of any order preventing or suspending the use of any preliminary prospectus,
any Issuer-Represented Free Writing Prospectus or the Prospectus, of the suspension of the qualification of the Notes for offering
or sale in any jurisdiction, of the initiation or threatening of any proceeding for any such purpose, or of any request by the
Commission for the amending or supplementing of the Registration Statement, any preliminary prospectus, any</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">Issuer-Represented Free Writing Prospectus
or the Prospectus or for additional information, and, in the event of the issuance of any stop order or of any order preventing
or suspending the use of any preliminary prospectus, any Issuer-Represented Free Writing Prospectus or the Prospectus or suspending
any such qualification, promptly use its reasonable best efforts to obtain the withdrawal of such order.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(b) The Company
will give the Representative notice of its intention to file or prepare any amendment to the Registration Statement, any term sheet
or any amendment, supplement or revision to either any preliminary prospectus (including the prospectus included in the Registration
Statement at the time it became effective) or to the Prospectus, whether pursuant to the 1933 Act, the 1934 Act or otherwise, will
furnish the Underwriters with copies of any such documents a reasonable amount of time prior to such proposed filing or use, as
the case may be, and will not file or use any such document to which the Representative or counsel for the Underwriters shall reasonably
object.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(c) The Company
has furnished or will deliver to the Underwriters and counsel for the Underwriters, without charge and upon request, signed copies
of the Registration Statement as originally filed and of each amendment thereto (including exhibits filed therewith) and signed
copies of all consents and certificates of experts, and will also deliver to the Underwriters, without charge and upon request,
a conformed copy of the Registration Statement as originally filed and of each amendment thereto (without exhibits). The copies
of the Registration Statement and each amendment thereto furnished to the Underwriters will be identical to the electronically
transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation S-T.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(d) Promptly from
time to time, the Company will take such action as the Representative may reasonably request to qualify the Notes for offering
and sale under the securities laws of such states and other jurisdictions as the Representative may reasonably request and to comply
with such laws so as to permit the continuance of sales and dealings therein in such jurisdictions for as long as may be necessary
to complete the distribution of the Notes, provided that in connection therewith the Company shall not be required to qualify as
a foreign corporation or to file a general consent to service of process in any jurisdiction. In each state or other jurisdiction
in which the Notes have been so qualified, the Company will file such statements and reports as may be required by the laws of
such state or other jurisdiction to continue such qualification in effect until the completion of the distribution of the Notes.
The Company will also supply the Underwriters with such information as is necessary for the determination of the legality of the
Notes for investment under the laws of such jurisdiction as the Underwriters may reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(e) On the business
day next succeeding the date of this Agreement and from time to time, the Company will furnish the Underwriters with copies of
the Prospectus in New York City in such quantities as the Underwriters may from time to time reasonably request, and, if the delivery
of a prospectus is required at any time prior to the expiration of nine months after the time of issue of the Prospectus in connection
with the offering or sale of the Notes and if at such time any event shall have occurred as a result of which the Prospectus as
then amended or supplemented would include an untrue statement of a material fact or omit to state any material fact necessary
in order to make the statements therein, in the light of the circumstances under which they were made when such Prospectus is delivered,
not misleading, or, if for any other reason it shall be necessary during such period to amend or supplement the Prospectus in order
to comply with the 1933 Act, notify the Representative and upon the Representative&#8217;s request prepare and furnish without
charge to the Underwriters and to any dealer in securities as many copies as the Underwriters may from time to time reasonably
request of an amended Prospectus or a supplement to the Prospectus that will correct such statement or omission or effect such
compliance, and in case any Underwriter is required to deliver a prospectus in connection with sales of any of the Notes at any
time nine months or more after the time of issue of the Prospectus, upon such Underwriter&#8217;s request, but at the expense of
such Underwriter, prepare and deliver to such Underwriter as many copies as it may request of an amended or supplemented Prospectus
complying with Section&nbsp;10(a)(3) of the 1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(f) The Company
will comply with the 1933 Act and the 1933 Act Regulations, the 1939 Act and the 1939 Act Regulations and the 1934 Act and the
1934 Act Regulations so as to permit the completion of the distribution of the Notes as contemplated in this Agreement and in the
Prospectus. If at any time when a prospectus is required by the 1933 Act to be delivered in connection with sales of the Notes,
any event shall occur or condition shall exist as a result of which it is necessary, in the opinion of counsel for the Underwriters
or for the Company, to amend the Registration Statement or amend or supplement the Prospectus in order that the Prospectus will
not include any untrue statements of a material fact or omit to state a material fact necessary in order to make the statements
therein</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">not misleading in the light of the circumstances
existing at the time it is delivered to a purchaser, or if it shall be necessary, in the opinion of such counsel, at any such time,
to amend the Registration Statement or amend or supplement the Prospectus in order to comply with the requirements of the 1933
Act or the 1933 Act Regulations, the Company will promptly prepare and file with the Commission, subject to Section&nbsp;3(b) hereof,
such amendment or supplement as may be necessary to correct such statement or omission or to make the Registration Statement or
the Prospectus comply with such requirements, and the Company will furnish to the Underwriters such number of copies of such amendment
or supplement as such Underwriter may reasonably request. If at any time following issuance of an Issuer&#45;Represented Free Writing
Prospectus there occurred or occurs an event or development as a result of which such Issuer-Represented Free Writing Prospectus
conflicted or would conflict in any material respect with the information contained in the Registration Statement or included or
would include an untrue statement of a material fact or omitted or would omit to state a material fact necessary in order to make
the statements therein, in the light of the circumstances prevailing at that subsequent time, not misleading, the Company has promptly
notified or will promptly notify the Representative and has promptly amended or will promptly amend or supplement, at its own expense,
such Issuer&#45;Represented Free Writing Prospectus to eliminate or correct such material conflict, untrue statement or omission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(g) The Company
will make generally available to its securityholders as soon as practicable, an earnings statement of the Company and its subsidiaries
(which need not be audited) complying with Section&nbsp;11(a) of the 1933 Act and the 1933 Act Regulations (including, at the option
of the Company, Rule&nbsp;158).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(h) During a period
of three years from the effective date of the Registration Statement, the Company will furnish to the holders of the Notes as soon
as practicable after the end of each fiscal year an annual report (including balance sheets and statements of income, shareholders&#8217;
equity and cash flows of the Company and its consolidated subsidiaries certified by independent public accountants) and, as soon
as practicable after the end of each of the first three quarters of each fiscal year (beginning with the fiscal quarter ending
after the effective date of the Registration Statement), to make available to such holders consolidated summary financial information
of the Company and its subsidiaries for such quarter in reasonable detail&#894; provided that if the Company files an annual report
on Form&nbsp;10&#45;K or quarterly report on Form&nbsp;10-Q by means of EDGAR, the Company shall be deemed to have furnished such
report to such holders in compliance with the requirements of this section.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(i) During a period
of three years from the effective date of the Registration Statement, the Company will furnish to the Underwriters copies of all
reports or other communications (financial or other) furnished to holders of the Notes, and to deliver to the Underwriters (i)&nbsp;as
soon as they are available, copies of any reports and financial statements furnished to or filed with the Commission or any national
securities exchange on which any class of securities of the Company is listed and (ii)&nbsp;subject to an appropriate confidentiality
agreement, such additional information concerning the business and financial condition of the Company as the Underwriters may from
time to time reasonably request (such financial statements to be on a consolidated basis to the extent the accounts of the Company
and its subsidiaries are consolidated in reports furnished to its shareholders generally or to the Commission)&#894; <I>provided
</I>that if the Company files any such reports or other communications of the type contemplated by clauses&nbsp;(i) or (ii) above
with the Commission and such report or materials are or will become available on EDGAR, the Company shall be deemed to have furnished
such report or other communications to the Underwriters in compliance with the requirements of this section.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(j) The Company
will use the net proceeds received by it from the sale of the Notes pursuant to this Agreement in the manner specified in the Registration
Statement, the General Disclosure Package and the Prospectus under the caption &#8220;Use of Proceeds.&#8221;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(k) Until completion
of the distribution of the Notes, the Company will file (i)&nbsp;all documents required to be filed with the Commission pursuant
to the 1934 Act within the time periods required by the 1934 Act and the 1934 Act Regulations and (ii)&nbsp;such information on
Form&nbsp;10&#45;K or Form&nbsp;10-Q as may be required by Rule&nbsp;463 under the 1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(l) During the period
of 180&nbsp;days from the date of the Prospectus, the Company will not make any offer relating to the Notes that would constitute
an Issuer-Represented Free Writing Prospectus unless it obtains the prior written consent of the Representative, which consent
shall not be unreasonably withheld, conditioned or delayed, and has complied and will comply with the requirements of Rule&nbsp;433
applicable to any Issuer-Represented Free</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">Writing Prospectus, including, where
and when required, timely filing with the Commission, legending and record keeping.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(m) During the period
beginning on the date hereof and continuing to and including the Closing Date and the latest additional time of purchase, if any,
of the Notes, the Company will not, and will not permit any subsidiary to, without the prior written consent of the Representative,
directly or indirectly, issue, sell, offer or contract to sell, grant any option for the sale of, or otherwise transfer or dispose
of, any debt securities or nonconvertible preferred stock of the Company or any of its subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(n) The Company
will not take, directly or indirectly, any action designed to or that might be reasonably expected to cause or result in stabilization
or manipulation of the price of any securities of the Company, whether to facilitate the sale or resale of the Notes or otherwise,
and the Company will, and shall use its commercially reasonable efforts to cause each of its affiliates to, comply with all applicable
provisions of Regulation M with respect to any securities of the Company. If the limitations of Rule&nbsp;102 of Regulation M (&#8220;<U>Rule&nbsp;102</U>&#8221;)
do not apply with respect to the Notes or any other reference security pursuant to any exception set forth in Section (d) of Rule&nbsp;102,
then promptly upon notice from the Representative (or, if later, at the time stated in the notice), the Company will, and shall
use its commercially reasonable efforts to cause each of its affiliates to, comply with Rule&nbsp;102 as though such exception
were not available, but the other provisions of Rule&nbsp;102 (as interpreted by the Commission) did apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(o) The Company
will prepare the Final Term Sheet in form and substance satisfactory to the Underwriters, and the Company represents and agrees
that, unless it obtains the prior consent of the Representative, it has not made and will not make any offer relating to the Notes
that would constitute an &#8220;issuer free writing prospectus,&#8221; as defined in Rule&nbsp;433, or that would otherwise constitute
a &#8220;free writing prospectus,&#8221; as defined in Rule&nbsp;405 of the 1933 Act Regulations, required to be filed with the
Commission. Any such free writing prospectus consented to by the Representative and the Company is hereinafter referred to as a
&#8220;<U>Permitted Free Writing Prospectus</U>.&#8221; The Company represents that it has treated or agrees that it will treat
each Permitted Free Writing Prospectus as an &#8220;issuer free writing prospectus,&#8221; as defined in Rule&nbsp;433, and has
complied and will comply with the requirements of Rule&nbsp;433 applicable to any Permitted Free Writing Prospectus, including
timely filing with the Commission where required, legending and record keeping. Notwithstanding the foregoing, the Company consents
to the use by the Underwriters of a free writing prospectus that contains only (a)(i) information describing the preliminary terms
of the Notes or their offering, (ii)&nbsp;information meeting the requirements of Rule&nbsp;134 of the 1933 Act Regulations or
(iii)&nbsp;information that describes the final terms of the Notes or their offering and that is included in the Final Term Sheet
or (b)&nbsp;other customary information that is neither &#8220;issuer information,&#8221; as defined in Rule&nbsp;433, nor otherwise
an Issuer-Represented Free Writing Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(p) The Company
shall use its reasonable best efforts to permit the Notes to be eligible for clearance, settlement and trading in book-entry-only
form through the facilities of DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(q) The Company
shall use its reasonable best efforts to effect the listing of the Notes on the New York Stock Exchange within 30 days of the Closing
Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">4.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Payment of Expenses</U>. The Company covenants and agrees with the Underwriters that the Company will pay or cause to
be paid the following, whether or not the transactions contemplated herein are completed: (i)&nbsp;the reasonable out-of-pocket
expenses incurred by the Underwriters in connection with their engagement, including without limitation, outside counsel legal
fees and expenses (such legal fees and expenses of counsel not to exceed $100,000 in the aggregate), marketing, syndication and
travel expenses; (ii)&nbsp;the cost of obtaining all securities and bank regulatory approvals, including any required FINRA fees,
including the filing fees incident thereto; (iii)&nbsp;all fees and disbursements of the Company&#8217;s counsel and accountants
in connection with the registration of the Notes under the 1933 Act and all other expenses in connection with the preparation,
printing and filing of amendments and supplements thereto and the mailing and delivering of copies thereof to the Underwriters;
(iv)&nbsp;all expenses in connection with the qualification of the Notes for offering and sale under state securities as provided
in Section&nbsp;3(d) hereof, including the fees and disbursements of counsel for the Underwriters in connection with such qualification
and in connection with the Blue Sky survey; (v)&nbsp;the cost of printing or reproducing this Agreement, the Blue Sky survey, closing
documents (including any compilations thereof) and any other documents in connection with the offering, purchase, sale and delivery
of the Notes; (vi)&nbsp;the fees and expenses of the Trustee, including fees and disbursements of counsel for the Trustee in connection
with the Indenture and the Notes; (vii)&nbsp;the</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">cost and charges of any transfer agent
or registrar; (viii)&nbsp;the costs and expenses of the Company relating to investor presentations or any &#8220;road show&#8221;
undertaken in connection with the marketing of the Notes, including, without limitation, expenses associated with the production
of road show slides and graphics, fees and expenses of any consultants engaged in connection with the road show presentations,
travel and lodging expenses of the Underwriters and officers of the Company and any such consultants, and the cost of aircraft
and other transportation chartered in connection with the road show with the consent of the Company; (ix)&nbsp;any fees payable
in connection with the rating of the Notes; (x)&nbsp;the fees and expenses incurred in connection with having the Notes eligible
for clearance, settlement and trading through the facilities of DTC; and (xi)&nbsp;all other costs and expenses incident to the
performance of the Company&#8217;s obligations hereunder which are not otherwise specifically provided for in this Section&nbsp;4.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">5.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Conditions of the Underwriters&#8217; Obligations</U>. The obligations of the several Underwriters hereunder to purchase
and pay for the Initial Notes or the Option Notes as provided herein on the Closing Date or the Date of Delivery, as the case may
be, shall be subject, in the Representative&#8217;s discretion, to the condition that all representations and warranties and other
statements of the Company herein are, at and as of such Closing Date or the Date of Delivery, as the case may be, true and correct,
the condition that the Company shall have performed all of its obligations hereunder theretofore to be performed, and the following
additional conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(a) The Prospectus
shall have been filed with the Commission pursuant to Rule&nbsp;424(b) within the applicable time period prescribed for such filing
by the 1933 Act Regulations and in accordance with Section&nbsp;3(a) hereof (or a post-effective amendment shall have been filed
and declared effective in accordance with the requirements of Rule&nbsp;430B), no stop order suspending the effectiveness of the
Registration Statement or any part thereof shall have been issued and no proceeding for that purpose shall have been initiated
or threatened by the Commission, and all requests for additional information on the part of the Commission shall have been complied
with to the Representative&#8217;s reasonable satisfaction, the Final Term Sheet and any other material required to be filed by
the Company pursuant to Rule&nbsp;433(d) under the 1933 Act shall have been filed with the Commission within the applicable time
periods prescribed in such filings by Rule&nbsp;433, and FINRA shall have raised no objection to the fairness and reasonableness
of the underwriting terms and arrangements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(b) At the Closing
Date and each Date of Delivery, the Representative shall have received the opinion, dated as of the Closing Date or the Date of
Delivery, as the case may be, of Stradley Ronon Stevens &amp; Young, LLP, counsel for the Company, in form and substance reasonably
satisfactory to counsel for the Underwriters, together with signed or reproduced copies of such letter for each of the other Underwriters.
Such counsel may also state that, insofar as either such opinion involves factual matters, they have relied, to the extent they
deem proper, upon certificates of officers of the Company and its subsidiaries and certificates of public officials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(c) At the Closing
Date and each Date of Delivery, the Representative shall have received the opinion, dated as of Closing Date or the Date of Delivery,
as the case may be, of Sidley Austin <FONT STYLE="font-variant: small-caps">llp</FONT>, counsel for the Underwriters, together
with signed or reproduced copies of such letter for each of the other Underwriters. The opinion shall address the matters as the
Representative may reasonably request. In giving such opinion such counsel may rely, as to all matters governed by the laws of
jurisdictions other than the law of the State of New York and the Federal law of the United States, upon the opinions of counsel
satisfactory to the Representative. Such counsel may also state that, insofar as such opinion involves factual matters, they have
relied, to the extent they deem proper, upon certificates of officers of the Company and its subsidiaries and certificates of public
officials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(d) On the date
of this Agreement, at the Closing Date and each Date of Delivery, BDO USA, LLP shall have furnished to the Representative a letter,
together with signed or reproduced copies of such letter for each of the other Underwriters, dated the respective dates of delivery
thereof, in form and substance satisfactory to the Representative, containing statements and information of the type ordinarily
included in accountants &#8220;comfort letters&#8221; to underwriters with respect to the financial statements of the Company and
certain financial information contained in the Registration Statement, the General Disclosure Package and the Prospectus, provided
that the letter delivered as of the Closing Date shall use a &#8220;cut-off&#8221; date no more than three business days prior
to the Closing Date or such Date of Delivery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(e) On the date
of this Agreement, at the Closing Date and each Date of Delivery, Deloitte &amp; Touche LLP shall have furnished to the Representative
a letter, together with signed or reproduced copies of such letter for each of the other Underwriters, dated the respective dates
of delivery thereof, in form and substance satisfactory to the</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">Representative, containing statements
and information of the type ordinarily included in accountants &#8220;comfort letters&#8221; to underwriters with respect to the
financial statements of the Company and certain financial information contained in the Registration Statement, the General Disclosure
Package and the Prospectus, including, among other things, a statement that as of a specified date in the letter, there were not
any changes, in the capital stock, increases in long-term debt, or decreases in consolidated shareholders&#8217; equity or any
decreases, as compared to the corresponding period in the preceding year, in consolidated net interest income, non-interest income,
or in the total or per-share amounts of net income, except in all instances for increases or decreases which the Registration Statement
discloses have occurred or may occur, provided that the letter delivered as of the Closing Date shall use a &#8220;cut-off&#8221;
date no more than three business days prior to the Closing Date or such Date of Delivery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(f) (i) Neither
the Company nor any of its subsidiaries shall have sustained since the date of the latest audited financial statements included
in the Registration Statement, the General Disclosure Package and the Prospectus any loss or interference with its business from
fire, explosion, flood or other calamity, whether or not covered by insurance, or from any labor dispute or court or governmental
or regulatory action, order or decree, otherwise than as set forth or contemplated in the Registration Statement, the General Disclosure
Package and the Prospectus, and (ii) since the respective dates as of which information is given in the Registration Statement,
the General Disclosure Package and the Prospectus there shall not have been any change in the capital stock or long-term debt of
the Company or any of its subsidiaries or any change in or affecting the general affairs, management, financial position, capital
adequacy for regulatory purposes, shareholders' equity or results of operations of the Company and its subsidiaries, otherwise
than as set forth or contemplated in the Registration Statement, the General Disclosure Package and the Prospectus, or their business
affairs, business prospects or regulatory affairs, the effect of which, in any such case described in clause (i) or (ii), is in
the reasonable judgment of the Representative so material and adverse as to make it impracticable or inadvisable to proceed with
the public offering or the delivery of the Notes being delivered at the Closing Date or Date of Delivery, as the case may be, on
the terms and in the manner contemplated in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(g) On or after
the date hereof there shall not have occurred any of the following: (i)&nbsp;a suspension or material limitation in trading in
securities generally on the NYSE or on NASDAQ&#894; (ii)&nbsp;a suspension or material limitation in trading in the Company&#8217;s
securities on NYSE&#894; (iii)&nbsp;a general moratorium on commercial banking activities declared by either federal or New York
authorities or a material disruption in commercial banking or securities settlement or clearance services in the United States&#894;
(iv)&nbsp;the outbreak or escalation of hostilities involving the United States or the declaration by the United States of a national
emergency or war&#894; or (v)&nbsp;the occurrence of any other calamity or crisis or any change in financial, political or economic
conditions in the United States or elsewhere, including, without limitation, as a result of terrorist activities occurring after
the date hereof, if the effect of any such event specified in clause&nbsp;(iv) or (v), in the reasonable judgment of the Representative
makes it impracticable or inadvisable to proceed with the public offering or the delivery of the Notes being delivered at the Closing
Date or Date of Delivery, as the case may be, on the terms and in the manner contemplated in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(h) The Representative
shall have received a certificate of the Chief Executive Officer of the Company and of the Chief Financial Officer of the Company,
dated as of the Closing Date and each Date of Delivery, to the effect that (i)&nbsp;no Material Adverse Effect has occurred&#894;
(ii)&nbsp;the representations and warranties in Section&nbsp;1(a) hereof are true and correct with the same force and effect as
though made at and as of the Closing Date or Date of Delivery, as the case may be, (ii)&nbsp;the Company has complied with all
agreements and satisfied all conditions on its part to be performed or satisfied at or prior to the Closing Date or Date of Delivery,
as the case may be, (iv)&nbsp;no stop order suspending the effectiveness of the Registration Statement has been issued and no proceedings
for that purpose have been instituted or are pending or are to their knowledge contemplated by the Commission and (v)&nbsp;no event
of default under the Indenture or default with notice and/or lapse of time that would be an event of default in respect of the
Notes has occurred and is continuing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(i) The Representative
shall have received a certificate from the President of the Bank and of the Chief Financial Officer of the Bank, dated as of the
Closing Date and each Date of Delivery to the effect that the representations and warranties in Section&nbsp;1(b) are true and
correct with the same force and effect as though made at and as of the Closing Date or such Date of Delivery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(j) Since the execution
of this Agreement, there shall not have been any decrease in or withdrawal of the rating of any securities of the Company or any
of its subsidiaries by any &#8220;nationally recognized statistical rating</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">organization&#8221; (as defined for
purposes of Section&nbsp;3(a)(62) of the 1934 Act) of which the Company has notice or any notice given of any intended or potential
decrease in or withdrawal of any such rating or of a possible change in any such rating that does not indicate the direction of
the possible change.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(k) Prior to the
Closing Date, the Company, the Trustee, as securities registrar for the Notes (or another transfer agent acceptable to the Representative)
and DTC shall have executed and delivered the Letter of Representations and the Notes shall be eligible for clearance, settlement
and trading through the facilities of DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(l) If any condition
specified in this Section&nbsp;5 shall not have been satisfied when and as required to be satisfied or shall not have been waived
by such time, this Agreement may be terminated by the Representative by notice to the Company at any time on or prior to the Closing
Date or any relevant Date of Delivery. If the sale of any of the Notes provided for herein is not consummated because any condition
set forth in this Section&nbsp;5 is not satisfied or because of any refusal, inability or failure on the part of the Company to
perform any agreement herein or comply with any provision hereof, the Company will reimburse the Underwriters upon demand for all
documented out-of-pocket expenses (including reasonable fees and disbursements of counsel) that shall have been incurred by the
Underwriters in connection with the proposed offering of the Notes as to which such sale is not consummated. In addition, such
termination shall be subject to Section&nbsp;4 hereof, and Sections&nbsp;1, 6, 7, 8 and 14 hereof shall survive any such termination
and remain in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">6.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Indemnification</U>. <FONT STYLE="color: red"><STRIKE></STRIKE></FONT>(a)&nbsp;The Company and the Bank, jointly and
severally, will indemnify and hold harmless each Underwriter, each person, if any, who controls any Underwriter within the meaning
of Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the 1934 Act, and their respective partners, directors, officers, employees
and agents and each affiliate of such Underwriter within the meaning of Rule&nbsp;405 of the 1933 Act Regulations against any losses,
claims, damages or liabilities, joint or several, to which such Underwriter may become subject, under the 1933 Act or otherwise,
insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon an untrue
statement or alleged untrue statement of a material fact contained in any Issuer-Represented Free Writing Prospectus, any preliminary
prospectus, the Registration Statement, the General Disclosure Package, the Prospectus, or any amendment or supplement thereto,
or arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein
or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, and will
reimburse each Underwriter for any legal or other expenses reasonably incurred by such Underwriter in connection with investigating
or defending any such action or claim as such expenses are incurred; <I>provided</I>, <I>however</I>, that the Company and the
Bank shall not be liable in any such case to the extent that any such loss, claim, damage or liability arises out of or is based
upon an untrue statement or alleged untrue statement or omission or alleged omission made in any Issuer-Represented Free Writing
Prospectus, any preliminary prospectus, the Registration Statement, the General Disclosure Package, the Prospectus or any such
amendment or supplement in reliance upon and in conformity with written information furnished to the Company by any Underwriter
through the Representative expressly for use therein. The Company, the Bank and each Underwriter hereby acknowledge and agree that
the only information that any Underwriter through the Representative has furnished to the Company consists solely of the information
described as such in subsection&nbsp;(b) below. Notwithstanding the foregoing, the indemnification provided for by the Bank in
this paragraph shall be limited with respect to the Bank to the extent necessary if (a)&nbsp;a Governmental Entity having jurisdiction
over the Bank by written communication addressed to the Bank or its board of directors, including in connection with any examination
of the Bank, informs the Bank or its board of directors that such Governmental Entity has determined that such indemnification
violates Sections&nbsp;23A or 23B of the Federal Reserve Act, as amended, or another law, rule, regulation or policy applicable
to the Bank or the Company, (b)&nbsp;a Governmental Entity notifies the Bank that this indemnification would result in an adverse
impact on the Bank&#8217;s examination ratings, (c)&nbsp;such indemnification would give rise to civil money penalties or other
sanctions or (d)&nbsp;the Bank determines, upon the written advice of counsel, that payment of any indemnification hereunder by
the Bank would violate any law, rule, regulation or policy applicable to the Bank or the Company. The Company and the Bank agree
to notify the Representative immediately upon receipt of such written advisement or notice. The Representative agrees to cooperate
with the Company in implementing any modification required by the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(b) Each Underwriter
severally agrees to indemnify and hold harmless the Company and the Bank, each of its officers, directors and each person, if any,
who controls the Company or the Bank, within the meaning of Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the 1934 Act,
against any losses, claims, damages or liabilities to which</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">the Company or the Bank may become subject,
under the 1933 Act or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out
of or are based upon an untrue statement or alleged untrue statement of a material fact contained in any Issuer-Represented Free
Writing Prospectus, any preliminary prospectus, the Registration Statement, the General Disclosure Package, the Prospectus, or
any amendment or supplement thereto, or arise out of or are based upon the omission or alleged omission to state therein a material
fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they
were made, not misleading, in each case to the extent, but only to the extent, that such untrue statement or alleged untrue statement
or omission or alleged omission was made in any Issuer-Represented Free Writing Prospectus, preliminary prospectus, the Registration
Statement, the General Disclosure Package, the Prospectus, or any amendment or supplement thereto, in reliance upon and in conformity
with written information furnished to the Company by any Underwriter through the Representative expressly for use therein (provided,
however, that the Company and the Underwriters hereby acknowledge and agree that the only such information that any Underwriter
through the Representative has furnished to the Company consists solely of the following: (i) the first paragraph under the heading
&#8220;Discounts&#8221;; (ii)&nbsp;the third sentence of the paragraph under the heading &#8220;No Public Trading Market&#8221;
and (iii)&nbsp;the paragraph under the heading &#8220;Price Stabilization, Short Positions,&#8221; in each case appearing in the
Prospectus in the section entitled &#8220;Underwriting&#8221;) and will reimburse the Company and the Bank for any legal or other
expenses reasonably incurred by the Company and the Bank in connection with investigating or defending any such action or claim
as such expenses are incurred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(c) Promptly after
receipt by an indemnified party under subsection&nbsp;(a) or (b) above of notice of the commencement of any action, such indemnified
party shall, if a claim in respect thereof is to be made against the indemnifying party under such subsection, notify the indemnifying
party in writing of the commencement thereof, but the omission so to notify the indemnifying party shall not relieve it from any
liability that it may have to any indemnified party otherwise than under such subsection, unless the indemnifying party has been
prejudiced thereby. In case any such action shall be brought against any indemnified party and it shall notify the indemnifying
party of the commencement thereof, the indemnifying party shall be entitled to participate therein and, to the extent that it shall
wish, jointly with any other indemnifying party similarly notified, to assume the defense thereof, with counsel reasonably satisfactory
to such indemnified party (who shall not, except with the consent of the indemnified party which consent shall not be unreasonably
withheld, conditioned or delayed, be counsel to the indemnifying party), provided, however, if the defendants in any such action
include both the indemnified party and the indemnifying party and the indemnified party shall have reasonably concluded that a
conflict may arise between the positions of the indemnifying party and the indemnified party in conducting the defense of any such
action <FONT STYLE="background-color: white">or that there may be legal defenses available to it and/or other indemnified parties
which are different from or additional to those available to the indemnifying party, </FONT>the indemnified party or parties shall
have the right to select separate counsel to assume the legal defenses of such indemnified party or parties (but not to control
the defense of such action as to the indemnifying party) and to otherwise participate in the defense of such action on behalf of
such indemnified party or parties. Upon receipt of notice from the indemnifying party to such indemnified party of its election
so to assume the defense thereof, the indemnifying party shall not be liable to such indemnified party under such subsection for
any legal expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection
with the defense thereof other than reasonable costs of investigation unless (i)&nbsp;the indemnified party shall have employed
separate counsel in accordance with the proviso to the preceding sentence (it being understood, however, that the indemnifying
party shall not be liable for the fees and expenses of more than one separate counsel (together with, to the extent necessary in
the circumstances, one separate local counsel in the jurisdiction in which such action is pending) to represent all indemnified
parties, approved by the indemnifying party) or (ii)&nbsp;the indemnifying party shall not have employed counsel satisfactory to
the indemnified party within a reasonable time after notice of commencement of the action, in each of which cases the fees and
expenses of one counsel for the indemnified party or parties (in addition to local counsel) shall be at the expense of the indemnifying
party. The indemnifying party under this Section&nbsp;6 shall not be liable for any settlement or compromise of or agreed judgment
in any proceedings effected or agreed to without its prior express written consent, but if any such proceeding is settled or compromised,
or an agreed judgment is entered into, with such consent or if there be a final judgment (other than an agreed judgment) rendered
in favor of for the plaintiff, the indemnifying party agrees to indemnify the indemnified party against any loss, claim, damage,
liability or expense by reason of such settlement, compromise, agreed judgment or other judgment. No indemnifying party shall,
without the written consent of the indemnified party, effect the settlement or compromise of, or consent to the entry of any judgment
with respect to, any pending or threatened action or claim in respect of which indemnification or contribution may be sought hereunder
(whether or not the indemnified party is an actual or potential party to such action or claim) unless such settlement,</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">compromise or judgment (i)&nbsp;includes
an unconditional release of the indemnified party from all liability arising out of such action or claim and (ii)&nbsp;does not
include a statement as to or an admission of fault, culpability or a failure to act, by or on behalf of any indemnified party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(d) If the indemnification
provided for in this Section&nbsp;6 is unavailable to or insufficient to hold harmless an indemnified party under subsection&nbsp;(a)
or (b) above in respect of any losses, claims, damages or liabilities (or actions in respect thereof) referred to therein, then
each indemnifying party shall contribute to the amount paid or payable by such indemnified party as a result of such losses, claims,
damages or liabilities (or actions in respect thereof) in such proportion as is appropriate to reflect the relative benefits received
by the Company on the one hand and the Underwriters on the other from the offering of the Notes. If, however, the allocation provided
by the immediately preceding sentence is not permitted by applicable law, then each indemnifying party shall contribute to such
amount paid or payable by such indemnified party in such proportion as is appropriate to reflect not only such relative benefits
but also the relative fault of the Company, on the one hand, and the Underwriters, on the other, in connection with the statements
or omissions which resulted in such losses, claims, damages or liabilities (or actions in respect thereof), as well as any other
relevant equitable considerations. The relative benefits received by the Company, on the one hand, and the Underwriters, on the
other, shall be deemed to be in the same proportion as the total net proceeds from the offering (before deducting expenses) received
by the Company bear to the total underwriting discounts and commissions received by the Underwriters, in each case as set forth
in the table on the cover page of the Prospectus. The relative fault shall be determined by reference to, among other things, whether
the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a material fact relates
to information supplied by the Company, on the one hand, or the Underwriters, on the other, and the parties&#8217; relative intent,
knowledge, access to information and opportunity to correct or prevent such statement or omission. The Company, the Bank and the
Underwriters agree that it would not be just and equitable if contributions pursuant to this subsection&nbsp;(d) were determined
by <I>pro&nbsp;rata </I>allocation or by any other method of allocation which does not take account of the equitable considerations
referred to above in this subsection&nbsp;(d). The amount paid or payable by an indemnified party as a result of the losses, claims,
damages or liabilities (or actions in respect thereof) referred to above in this subsection&nbsp;(d) shall be deemed to include
any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending any such
action or claim. Notwithstanding the provisions of this subsection&nbsp;(d), no Underwriter shall be required to contribute any
amount in excess of the amount by which the total price at which the Notes underwritten by it and distributed to the public were
offered to the public exceeds the amount of any damages which such Underwriter has otherwise been required to pay by reason of
any such untrue or alleged untrue statement or omission or alleged omission. No person guilty of fraudulent misrepresentation (within
the meaning of Section&nbsp;11(f) of the 1933 Act) shall be entitled to contribution from any person who was not guilty of such
fraudulent misrepresentation. For purposes of this Section&nbsp;6, each officer and employee of any Underwriter and each person,
if any, who controls any Underwriter within the meaning of the 1933 Act and the 1934 Act shall have the same rights to contribution
as such Underwriter, and each director of the Company and the Bank, each officer of the Company who signed the Registration Statement,
and each person, if any, who controls the Company or the Bank within the meaning of the 1933 Act and the 1934 Act shall have the
same rights to contribution as the Company. The Underwriters&#8217; respective obligations to contribute pursuant to this Section
6 are several in proportion to the principal amount of Notes set forth opposite their respective names in <U>Schedule I</U> hereto
and not joint. Notwithstanding the foregoing, the contribution obligation of the Bank in this paragraph shall be limited with respect
to the Bank to the extent necessary if (a)&nbsp;a Governmental Entity having jurisdiction over the Bank by written communication
addressed to the Bank or its board of directors, including in connection with any examination of the Bank, informs the Bank or
its board of directors that such Governmental Entity has determined that such contribution violates Sections&nbsp;23A or 23B of
the Federal Reserve Act, as amended, or another law, rule, regulation or policy applicable to the Bank or the Company, (b)&nbsp;a
Governmental Entity notifies the Bank that any contribution would result in an adverse impact on the Bank&#8217;s examination ratings,
(c)&nbsp;such contribution would give rise to civil money penalties or other sanctions or (d)&nbsp;the Bank determines, upon the
written advice of counsel, that any contribution made by the Bank hereunder would violate any law, rule, regulation or policy applicable
to the Bank or the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(e) The obligations
of the Company and the Bank under this Section&nbsp;6 shall be in addition to any liability which the Company and the Bank may
otherwise have and shall extend, upon the same terms and conditions, to each person, if any, who controls (within the meaning of
the 1933 Act) any Underwriter, or any of the respective partners, directors, officers and employees of any Underwriter or any such
controlling person. The obligations of each Underwriter under this Section&nbsp;6 shall be in addition to any liability which such
Underwriter may otherwise have</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">and shall extend, upon the same terms
and conditions, to each person, if any, who controls (within the meaning of the 1933 Act) the Company or the Bank or any of the
directors and officers of the Company or the Bank or any such controlling person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">(f) The remedies
provided for in this Section&nbsp;6 are not exclusive and shall not limit any rights or remedies which may otherwise be available
to an indemnified party at law or in equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">7.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Survival of Representations and Warranties</U>. The respective indemnities, agreements, representations, warranties and
other statements of the Company, the Bank and the Underwriters, as set forth in this Agreement or made by or on behalf of them,
respectively, pursuant to this Agreement, shall remain in full force and effect, regardless of any investigation (or any statement
as to the results thereof) made by or on behalf of any Underwriter or any controlling person of any Underwriter, or the Company
or the Bank, or any officer or director or controlling person of the Company or the Bank, and shall survive delivery of and payment
for the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">8.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Termination of Agreement</U>. If this Agreement is terminated pursuant to Section&nbsp;5(l) hereof, such termination
shall be without liability of any party to any other party except as provided in Section&nbsp;4 hereof and provided further that
Sections&nbsp;1, 6, 7, 8 and 14 hereof shall survive such termination and remain in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">9.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Notices</U>. All statements, requests, notices and agreements hereunder shall be in writing, and if to the Underwriters
shall be delivered or sent by mail, telex or facsimile transmission to the Representative at B. Riley FBR, Inc., 299 Park Avenue,
21<SUP>st</SUP> Floor, New York, NY 10171, Attention: General Counsel&#894; and if to the Company shall be delivered or sent by
mail or facsimile to Customers Bancorp, Inc., 1015 Penn Avenue Wyomissing, Pennsylvania 19610, Attention: Jay S. Sidhu, Chairman
and Chief Executive Officer, with a copy to Stradley Ronon Stevens &amp; Young, LLP, 2005 Market Street, Suite 2600, Philadelphia,
PA 19103-7018, Attention: Christopher S. Connell, Esq. Any such statements, requests, notices or agreements shall take effect upon
receipt thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">10.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Recognition of the U.S. Special Resolution Regimes</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">(a) In the event
that any Underwriter that is a Covered Entity becomes subject to a proceeding under a U.S. Special Resolution Regime, the transfer
from such Underwriter of this Agreement, and any interest and obligation in or under this Agreement, will be effective to the same
extent as the transfer would be effective under the U.S. Special Resolution Regime if this Agreement, and any such interest and
obligation, were governed by the laws of the United States or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">(b) In the event
that any Underwriter that is a Covered Entity or a BHC Act Affiliate of such Underwriter becomes subject to a proceeding under
a U.S. Special Resolution Regime, Default Rights under this Agreement that may be exercised against such Underwriter are permitted
to be exercised to no greater extent than such Default Rights could be exercised under the U.S. Special Resolution Regime if this
Agreement were governed by the laws of the United States or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0in">For purposes of this
Section 10, a &#8220;BHC Act Affiliate&#8221; has the meaning assigned to the term &#8220;affiliate&#8221; in, and shall be interpreted
in accordance with, 12 U.S.C. &sect; 1841(k). &#8220;Covered Entity&#8221; means any of the following: (i) a &#8220;covered entity&#8221;
as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 252.82(b); (ii) a &#8220;covered bank&#8221; as
that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 47.3(b); or (iii) a &#8220;covered FSI&#8221; as
that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 382.2(b). <B>&#8220;</B>Default Right&#8221; has
the meaning assigned to that term in, and shall be interpreted in accordance with, 12 C.F.R. &sect;&sect; 252.81, 47.2 or 382.1,
as applicable. &#8220;U.S. Special Resolution Regime&#8221; means each of (i) the Federal Deposit Insurance Act and the regulations
promulgated thereunder and (ii) Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the regulations promulgated
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">11.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Parties</U>. This Agreement shall be binding upon, and inure solely to the benefit of, the Underwriters, the Company,
the Bank and, to the extent provided in Sections&nbsp;6 and 7 hereof, the officers and directors of the Company and the Bank and
each person who controls the Company and the Bank or any Underwriter, and their respective heirs, executors, administrators, successors
and assigns, and no other person shall acquire or have any right under or by virtue of this Agreement. No purchaser of any of the
Notes from any Underwriter shall be deemed a successor or assign by reason merely of such purchase.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">12.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Time</U>. Time shall be of the essence of this Agreement. As used herein, the term &#8220;business day&#8221; shall mean
any day when the Commission&#8217;s office in Washington, D.C. is open for business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">13.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Advisory or Fiduciary Relationship</U>. The Company acknowledges and agrees that (i)&nbsp;the purchase and sale of
the Notes pursuant to this Agreement, including the determination of the public offering price of the Notes and any related discounts
and commissions, is an arm&#8217;s-length commercial transaction between the Company, on the one hand, and the several Underwriters,
on the other hand, and the Company is capable of evaluating and understanding and understands and accepts the terms, risks and
conditions of the transactions contemplated by this Agreement, (ii)&nbsp;in connection with the offering contemplated hereby and
the process leading to such transaction each Underwriter is and has been acting solely as principal and is not the agent or fiduciary
of the Company, its subsidiaries or the Company&#8217;s shareholders, creditors, employees or any other third party, (iii)&nbsp;no
Underwriter has not assumed or will assume an advisory or fiduciary responsibility in favor of the Company or its subsidiaries
with respect to the offering contemplated hereby or the process leading thereto (irrespective of whether such Underwriter has advised
or is currently advising the Company or its subsidiaries on any other matters) and no Underwriter has any obligation to the Company
or its subsidiaries with respect to the offering contemplated hereby except the obligations expressly set forth in this Agreement,
(iv)&nbsp;the Underwriters and their respective affiliates may be engaged in a broad range of transactions that involve interests
that differ from those of the Company or its subsidiaries and each Underwriter does not have any obligation to disclose such interests
and transactions to the Company by virtue of any fiduciary, advisory or agency relationship, (v)&nbsp;the Company and its subsidiaries
waive, to the fullest extent permitted by law, any claims the Company may have against any Underwriter for breach of fiduciary
duty or alleged breach of fiduciary duty and agree that each Underwriter shall have no liability (whether direct or indirect) to
the Company or its subsidiaries in respect of such a fiduciary duty claim or to any person asserting a fiduciary duty claim on
behalf of or in right of the Company, including shareholders, employees or creditors of the Company, and (vi)&nbsp;the Underwriters
have not provided any legal, accounting, regulatory or tax advice with respect to the offering contemplated hereby and the Company
and the Bank consulted their own legal, accounting, regulatory and tax advisors to the extent they deemed appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">14.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>GOVERNING LAW; CONSENT TO JURISDICTION</U>. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE
LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES OF SAID STATE OTHER THAN SECTION 5-1401 OF THE NEW
YORK GENERAL OBLIGATIONS LAW.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">THE COMPANY, ON
BEHALF OF ITSELF AND ITS SUBSIDIARIES, HEREBY IRREVOCABLY SUBMITS TO THE EXCLUSIVE JURISDICTION OF THE FEDERAL AND NEW YORK STATE
COURTS LOCATED IN THE CITY OF NEW YORK IN CONNECTION WITH ANY SUIT, ACTION OR PROCEEDING RELATED TO THIS AGREEMENT OR ANY OF THE
MATTERS CONTEMPLATED HEREBY, IRREVOCABLY WAIVES ANY DEFENSE OF LACK OF PERSONAL JURISDICTION AND IRREVOCABLY AGREES THAT ALL CLAIMS
IN RESPECT OF ANY SUIT, ACTION OR PROCEEDING MAY BE HEARD AND DETERMINED IN ANY SUCH COURT. THE COMPANY, ON BEHALF OF ITSELF AND
ITS SUBSIDIARIES, IRREVOCABLY WAIVES, TO THE FULLEST EXTENT IT MAY EFFECTIVELY DO SO UNDER APPLICABLE LAW, ANY OBJECTION WHICH
IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT AND ANY CLAIM
THAT ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">15.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Counterparts</U>. This Agreement may be executed by any one or more of the parties hereto in any number of counterparts,
each of which shall be deemed to be an original, but all such counterparts shall together constitute one and the same instrument.
Any facsimile or electronically transmitted copies hereof or signatures hereon shall, for all purposes, be deemed originals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">16.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Amendment: Waiver</U>. No amendment or waiver of any provision of this Agreement, nor any consent or approval to any
departure therefrom, shall in any event be effective unless the same shall be in writing and signed by the parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">17.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Partial Enforceability</U>. The invalidity or unenforceability of any Section, paragraph or provision of this Agreement
shall not affect the validity or enforceability of any other Section, paragraph or provision hereof. If any Section, paragraph
or provision of this Agreement is for any reason determined to be invalid or unenforceable,</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">there shall be deemed to be made such
minor changes (and only such minor changes) as are necessary to make it valid and enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">18.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Entire Agreement</U>. This Agreement supersedes all prior agreements and understandings (whether written or oral) between
the Company, the Bank and the Underwriters, or any of them, with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">[Signatures on Next Page]</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">If the foregoing
is in accordance with your understanding, please sign and return to us four counterparts hereof, and upon the acceptance hereof
by you, this letter and such acceptance hereof shall constitute a binding agreement among the Underwriters, the Bank and the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 3in">Very truly yours,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 24pt 3in"><B>CUSTOMERS BANCORP, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 24pt 3in">By:&#9;<U>/s/ Carla A. Leibold&#9;<BR>
</U>Name: Carla A. Leibold<BR>
Title: Executive Vice President and Chief Financial Officer</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 24pt 3in"><B>CUSTOMERS BANK</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 24pt 3in">By:&#9;<U>/s/ Carla A. Leibold&#9;<BR>
</U>Name: Carla A. Leibold<BR>
Title: Executive Vice President and Chief Financial Officer</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Accepted as of the date hereof:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>B. RILEY FBR, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">By:&#9;<U>/s/ Patrice McNicoll&#9;<BR>
</U>Name: Patrice McNicoll<BR>
Title: Co-Head of Investment Banking</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">As Representative of the several Underwriters named in</P>

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


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 71%; padding-right: 5.4pt; padding-left: 5.4pt">Name of Underwriter</TD>
    <TD STYLE="width: 29%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Principal Amount of Notes to be Purchased</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 58.5pt; text-indent: -58.5pt">B. Riley FBR, Inc.&#9;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">$15,925,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 58.5pt; text-indent: -58.5pt">D.A. Davidson &amp; Co.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">14,625,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 58.5pt; text-indent: -58.5pt">Janney Montgomery Scott LLC</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">14,625,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 58.5pt; text-indent: -58.5pt">William Blair &amp; Company, L.L.C.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">7,475,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 58.5pt; text-indent: -58.5pt">Boenning &amp; Scattergood, Inc.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">5,200,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 58.5pt; text-indent: -58.5pt">Incapital LLC</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3,900,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 58.5pt; text-indent: -58.5pt">Maxim Group LLC</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,625,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 58.5pt; text-indent: -58.5pt">Wedbush Securities Inc.</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,625,000</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 0.5in">Total&#9;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;$65,000,000</TD></TR>
</TABLE>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">&nbsp;</P>


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

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

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

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

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

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<P STYLE="font: 10pt TimesNewRoman\,Bold; margin: 0; text-align: right"><B>Filed Pursuant to Rule 433</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="font-family: TimesNewRoman\,Bold"><B>Supplementing
the Preliminary Prospectus Supplement Dated December </B></FONT><B>4<FONT STYLE="font-family: TimesNewRoman\,Bold">, 2019</FONT></B></P>

<P STYLE="font: 10pt TimesNewRoman\,Bold; margin: 0; text-align: right"><B>Registration No. 333-218483</B></P>

<P STYLE="font: 10pt TimesNewRoman\,Bold; margin: 0; text-align: right"><B>December 4, 2019</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><IMG SRC="image_001.jpg" ALT="" STYLE="height: 59px; width: 364px"></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>$65,000,000</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-family: TimesNewRoman\,Bold"><B>5.375</B></FONT><B>%
SUBORDINATED NOTES DUE DECEMBER 2034</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><I>This term sheet relates only to the
securities described below and supplements and should be read together with the preliminary prospectus supplement dated December
4, 2019 and the accompanying prospectus (including the documents incorporated by reference therein) relating to those securities.
Capitalized terms used in this term sheet but not defined have the meanings given to them in such preliminary prospectus supplement.<BR>
<BR>
</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 39%"><B>Issuer:</B></TD>
    <TD STYLE="width: 61%"><P STYLE="margin-top: 0; margin-bottom: 0">Customers Bancorp, Inc. (the &#8220;Company&#8221;)</P>
                           <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Security:</B></TD>
    <TD><P STYLE="margin-top: 0; margin-bottom: 0">5.375% Subordinated Notes Due December 2034</P>
        <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Type:</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P></TD>
    <TD>SEC Registered</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Rating:*</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P></TD>
    <TD>Kroll: BBB-</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Trade Date:</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P></TD>
    <TD>December 4, 2019</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Settlement Date (T+3):**</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P></TD>
    <TD>December 9, 2019</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Listing:</B></TD>
    <TD><P STYLE="margin-top: 0; margin-bottom: 0">Expected NYSE&nbsp;</P>
        <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Size:</B></TD>
    <TD><P STYLE="margin-top: 0; margin-bottom: 0">$65,000,000</P>
        <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Overallotment Option:</B></TD>
    <TD><P STYLE="margin-top: 0; margin-bottom: 0">15.0%</P>
        <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Final Maturity:</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.15in"><B>&nbsp;</B></P></TD>
    <TD>December 30, 2034</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Annual Coupon:</B></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">5.375%, paid quarterly in arrears</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Interest Payment Dates:</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">March 30, June 30, September 30 and December 30 of each year, commencing
        on March 30, 2020 (long first coupon).</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Price to Public:</B></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">100.0%</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Day Count Convention:</B></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">30/360, unadjusted</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
</TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 39%; font: 10pt Times New Roman, Times, Serif"><B>Optional Redemption:</B></TD>
    <TD STYLE="width: 61%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company may redeem the notes, at its option, in whole or in
        part on any Interest Payment Date beginning with the Interest Payment Date of December 30, 2029, at a redemption price equal to
        100% of the principal amount of the notes plus any accrued and unpaid interest to but excluding the redemption date.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company also may redeem the notes, at its option, in whole but
        not in part at any time, including prior to December 30, 2029 if (i) a change or prospective change in law occurs that could prevent
        the Company from deducting interest payable on the notes for U.S. federal income tax purposes, (ii) a subsequent event occurs that
        could preclude the notes from being recognized as Tier 2 capital for regulatory capital purposes or (iii) the Company becomes required
        to register as an investment company under the Investment Company Act of 1940, as amended, at a redemption price equal to 100%
        of the principal amount of the notes plus any accrued and unpaid interest to but excluding the redemption date. Any redemption
        of notes will be subject to the prior approval of the Board of Governors of the Federal Reserve System, to the extent that such
        approval is then required.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><B>Minimum Denominations/Multiples:</B></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><P STYLE="margin-top: 0; margin-bottom: 0">$25 and integral multiples of $25 in excess thereof</P>
                                                         <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><B>CUSIP/ISIN:</B></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><P STYLE="margin-top: 0; margin-bottom: 0">23204G 803/ US23204G8033</P>
                                                         <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><B>Joint Booking-Running Managers:</B></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">B. Riley FBR, Inc.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">D.A. Davidson &amp; Co.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Janney Montgomery Scott LLC</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><B>Lead Managers:</B></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">William Blair &amp; Company, L.L.C.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Boenning &amp; Scattergood, Inc.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><B>Co-Managers:</B></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Incapital LLC</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Maxim Group LLC</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Wedbush Securities Inc.</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">* A securities rating is not a recommendation
to buy, sell or hold securities and may be subject to revision or withdrawal at any time by the assigning rating organization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">** Under Rule 15c6-1 under the Securities
Exchange Act of 1934, as amended, trades in the secondary market are required to settle in two business days (&#8220;T+2&#8221;),
unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade notes prior to the delivery
of the notes hereunder will generally be required, by virtue of the fact that the notes initially settle on the third business
day following the Pricing Date (&#8220;T+3&#8221;), to specify an alternate settlement arrangement at the time of any such trade
to prevent a failed settlement. Purchasers of the notes who wish to trade the notes prior to their date of delivery hereunder should
consult their own advisors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">The Company has filed a registration
statement (including a prospectus) on Form S-3 (File No. 333-218483) and a preliminary prospectus supplement dated December 4,
2019, with the Securities and Exchange Commission (the &#8220;SEC&#8221;) for the offering to which this communication relates.
Before you invest, you should read the prospectus in that registration statement, the preliminary prospectus supplement and the
other documents incorporated by reference therein that the Company has filed with the SEC for more complete information about the
Company and this offering. Investors may obtain these documents without charge by visiting EDGAR on the SEC website at www.sec.gov.
Alternatively, you may request these documents by contacting B. Riley FBR, Inc.by telephone at 1-703-312-9580 or by email at prospectuses@brileyfbr.com,
contacting D.A. Davidson &amp; Co. by telephone at 1-800-332-5915 or by email at prospectusrequest@dadco.com or contacting Janney
Montgomery Scott LLC by telephone at 215-665-4450 or by email at prospectus@janney.com.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">This pricing term sheet does not constitute
an offer to sell, or a solicitation of an offer to buy, any security in any state or jurisdiction in which such offer, solicitation
or sale would be unlawful.</P>


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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 60pt; text-align: center">Issuer-Represented General Free
Writing Prospectus</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">Investor Presentation, dated December
4, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">Pricing Term Sheet filed with the Commission
on December 4, 2019 pursuant to Rule&nbsp;433 (Registration Statement No.&nbsp;333-218483)</P>

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


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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 30pt; text-align: center">List of Subsidiaries</P>

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    <TD STYLE="width: 72%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; border-bottom: Black 0.5pt solid">Subsidiary</P></TD>
    <TD STYLE="width: 28%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center; border-bottom: Black 0.5pt solid">Jurisdiction
        of<BR>
        Organization</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.75pt; padding-bottom: 10pt; padding-left: 5.75pt">Customers Bank</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.75pt; padding-bottom: 10pt; padding-left: 5.75pt; text-align: center">PA</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>



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<TYPE>EX-4.1
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<DESCRIPTION>EXHIBIT 4.1
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 4.1</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-align: center">CUSTOMERS BANCORP, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">SUBORDINATED INDENTURE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">DATED AS OF</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">DECEMBER 9, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">WILMINGTON TRUST, NATIONAL ASSOCIATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">as</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">TRUSTEE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">&nbsp;</P>


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<HR SIZE="4" ALIGN="CENTER" STYLE="width: 100%">

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

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 16%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 73%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Page</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE I</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">DEFINITIONS AND INCORPORATION BY REFERENCE</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 1.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Definitions</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 1.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Other Definitions</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 1.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Incorporation by Reference of Trust Indenture Act</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 1.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Rules of Construction</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE II</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">THE SECURITIES</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Issuable in Series</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Establishment of Terms of Series of Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Execution and Authentication</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Registrar and Paying Agent</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Paying Agent to Hold Money in Trust</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.6</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Securityholder Lists</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.7</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Transfer and Exchange</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.8</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Mutilated, Destroyed, Lost and Stolen Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.9</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Outstanding Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.10</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Treasury Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.11</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Temporary Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.12</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Cancellation</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.13</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Defaulted Interest</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.14</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Global Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE III</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">REDEMPTION</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Notice to Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Selection of Securities to be Redeemed</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Notice of Redemption</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Effect of Notice of Redemption</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Deposit of Redemption Price</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.6</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Securities Redeemed in Part</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE IV</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">COVENANTS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Payment of Principal and Interest</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">SEC Reports</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Compliance Certificate</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Stay, Extension and Usury Laws</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Corporate Existence</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.6</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Taxes</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.7</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Maintenance of Properties</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.8</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Maintenance of Insurance</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE V</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">SUCCESSORS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Company May Consolidate or Merge on Certain Terms</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Company Successor to be Substituted</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
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    <TD STYLE="width: 16%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE VI</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">DEFAULTS AND REMEDIES</FONT></TD>
    <TD STYLE="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Events of Default</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Acceleration</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Collection of Indebtedness and Suits for Enforcement by Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee May File Proofs of Claim</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee May Enforce Claims Without Possession of Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.6</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Application of Money Collected</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.7</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Limitation on Suits</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.8</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Unconditional Right of Holders to Receive Principal, Premium and Interest</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.9</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Restoration of Rights and Remedies</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.10</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Rights and Remedies Cumulative</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.11</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Delay or Omission Not Waiver</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.12</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Control by Holders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.13</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Waiver of Past Defaults</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 6.14</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Undertaking for Costs</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE VII</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">TRUSTEE</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Duties of Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">20</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Rights of Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Individual Rights of Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee&rsquo;s Disclaimer</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Notice of Defaults</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.6</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Reports by Trustee to Holders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.7</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Compensation and Indemnity</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.8</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Replacement of Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.9</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Successor Trustee by Merger, etc.</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.10</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Eligibility; Disqualification</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 7.11</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Preferential Collection of Claims Against Company</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE VIII</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">SATISFACTION AND DISCHARGE; DEFEASANCE</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 8.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Satisfaction and Discharge of Indenture</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 8.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Application of Trust Funds; Indemnification</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">25</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 8.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Legal Defeasance of Securities of any Series</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 8.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Covenant Defeasance</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">27</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 8.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Repayment to Company</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 8.6</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Reinstatement</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE IX</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">AMENDMENTS AND WAIVERS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 9.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Without Consent of Holders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 9.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">With Consent of Holders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 9.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Limitations</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 9.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Compliance with Trust Indenture Act</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 9.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Revocation and Effect of Consents</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">29</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 9.6</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Notation on or Exchange of Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 9.7</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee Protected</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 16%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE X</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 74%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">MISCELLANEOUS</FONT></TD>
    <TD STYLE="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trust Indenture Act Controls</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">30</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Communication by Holders with Other Holders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Certificate and Opinion as to Conditions Precedent</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Statements Required in Certificate or Opinion</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.6</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Rules by Trustee and Agents</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.7</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Legal Holidays</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">31</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.8</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">No Recourse Against Others</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.9</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.10</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Governing Law; Waiver of Jury Trial</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.11</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">No Adverse Interpretation of Other Agreements</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.12</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Successors</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.13</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.14</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Table of Contents, Headings, Etc.</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 10.15</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE XI</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">SINKING FUNDS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 11.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Applicability of Article</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 11.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Satisfaction of Sinking Fund Payments with Securities</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 11.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Redemption of Securities for Sinking Fund</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE XII</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">SUBORDINATION OF SECURITIES</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 12.1</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Securities Subordinated to Senior Indebtedness</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 12.2</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Right of Trustee to Hold Senior Indebtedness</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 12.3</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Subordination Not to Prevent Events of Default</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 12.4</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">No Fiduciary Duty of Trustee to Holders of Senior Debt</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 12.5</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Article Applicable to Paying Agent</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
</TABLE>

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<HR SIZE="4" ALIGN="CENTER" STYLE="width: 100%">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">Reconciliation and tie between Trust
Indenture Act of 1939</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">and Subordinated Indenture, dated as of December
9, 2019</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 52%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 47%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section&nbsp;310(a)(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.10</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(a)(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.10</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(a)(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(a)(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(a)(5)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.10</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.10</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section 311(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.11</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.11</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section 312(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">2.6</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">10.3</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">10.3</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section 313(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.6</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(b)(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.6</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.6.10.2</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(d)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.6</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section 314(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">4.2, 4.3, 10.5</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(c)(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">10.4</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(c)(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">10.4</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(c)(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(d)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(e)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">10.5</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(f)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section 315(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.1</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.5</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.1</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(d)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">7.1</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(e)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">6.14</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section 316(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">2.10</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(a)(1)(A)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">6.12</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(a)(1)(B)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">6.13</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">6.8</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section 317(a)(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">6.3</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(a)(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">6.4</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">2.5</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">Section 318(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">10.1</FONT></TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Note: This reconciliation and tie shall not, for any purpose, be
deemed to be part of the Indenture.</P>


<HR SIZE="4" ALIGN="CENTER" STYLE="width: 100%">


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>THIS SUBORDINATED INDENTURE </B>(hereinafter called the &ldquo;Indenture&rdquo;),
dated as of December 9, 2019 between Customers Bancorp, Inc. a Pennsylvania corporation (hereinafter called the &ldquo;<B>Company</B>&rdquo;),
and Wilmington Trust, National Association, a national banking association duly organized and existing under the laws of the United
States as trustee (hereinafter called the &ldquo;<B>Trustee</B>&rdquo;).<BR>
<BR>
Each party agrees as follows for the benefit of the other party and for the equal and ratable benefit of the Holders of the Securities
issued under this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE I</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;1.1 <U>Definitions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&ldquo;Additional Amounts&rdquo; means any additional amounts
which are required hereby or by any Security, under circumstances specified herein or therein, to be paid by the Company in respect
of certain taxes imposed on Holders specified herein or therein and which are owing to such Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Affiliate&rdquo; of any specified person means any
other person directly or indirectly controlling or controlled by or under common control with such specified person. For the purposes
of this definition, &ldquo;control&rdquo; (including, with correlative meanings, the terms &ldquo;controlled by&rdquo; and &ldquo;under
common control with&rdquo;), as used with respect to any person, shall mean the possession, directly or indirectly, of the power
to direct or cause the direction of the management or policies of such person, whether through the ownership of voting securities
or by agreement or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Agent&rdquo; means any Registrar, Paying Agent or Service
Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Board of Directors&rdquo; means the Board of Directors
of the Company or any duly authorized committee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Board Resolution&rdquo; means a copy of a resolution
certified by the Secretary or an Assistant Secretary of the Company to have been adopted by the Board of Directors or pursuant
to authorization by the Board of Directors and to be in full force and effect on the date of the certificate and delivered to the
Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Business Day&rdquo; means, unless otherwise provided
by Board Resolution, Officers&rsquo; Certificate or supplemental indenture hereto for a particular Series, any day except a Saturday,
Sunday or a day in the City of New York, New York, the City of Wilmington, Delaware or a place of payment on which banking institutions
or trust companies are authorized or required by law, regulation or executive order to remain closed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Capital Stock&rdquo; means: (a)&nbsp;in the case of
a corporation, corporate stock; (b)&nbsp;in the case of an association or business entity, any and all shares, interests, participations,
rights or other equivalents (however designated) of corporate stock; (c)&nbsp;in the case of a partnership or limited liability
company, partnership interests (whether general or limited) or membership interests; and (d)&nbsp;any other interest or participation
that confers on a person the right to receive a share of the profits and losses of, or distributions of assets of, the issuing
person, but excluding from all of the foregoing any debt securities convertible into Capital Stock, whether or not such debt securities
include any right of participation with Capital Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Company&rdquo; means the party named as the &ldquo;Company&rdquo;
in the first paragraph of this instrument until a successor replaces it and thereafter means the successor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Company Order&rdquo; means a written order signed in
the name of the Company by two Officers, one of whom must be the Company&rsquo;s principal executive officer, principal financial
officer or principal accounting officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Company Request&rdquo; means a written request signed
in the name of the Company by its Chief Executive Officer, Chief Financial Officer, a President or a Vice President, and by its
Treasurer, an Assistant Treasurer, its Secretary or an Assistant Secretary, and delivered to the Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Corporate Trust Office&rdquo; means the office of the
Trustee at which at any particular time its corporate trust business shall be principally administered, which office, at the date
of execution of this Indenture, is located at 1100 North Market Street, Wilmington, Delaware 19890, Attention: Customers Bancorp,
Inc. Administrator.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Default&rdquo; means any event which is, or after notice
or passage of time or both would be, an Event of Default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Depository&rdquo; means, with respect to the Securities
of any Series issuable or issued in whole or in part in the form of one or more Global Securities, the person designated as Depository
for such Series by the Company, which Depository shall be a clearing agency registered under the Exchange Act; and if at any time
there is more than one such person, &ldquo;Depository&rdquo; as used with respect to the Securities of any Series shall mean the
Depository with respect to the Securities of such Series.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&ldquo;Discount Security&rdquo; means any Security that provides
for an amount less than the stated principal amount thereof to be due and payable upon declaration of acceleration of the maturity
thereof pursuant to Section&nbsp;6.2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Dollars&rdquo; and &ldquo;$&rdquo; means the currency
of the United States of America.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Exchange Act&rdquo; means the Securities Exchange Act
of 1934, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;GAAP&rdquo; means generally accepted accounting principles
set forth in the opinions and pronouncements of the Accounting Principles Board of the American Institute of Certified Public Accountants
and statements and pronouncements of the Financial Accounting Standards Board or in such other statements by such other entity
as have been approved by a significant segment of the accounting profession, which are in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;General Obligations&rdquo; means all of the Company&rsquo;s
obligations to pay Claims of general creditors, other than obligations on the debentures and our indebtedness for money borrowed
ranking equally or subordinate to the debentures. Notwithstanding the foregoing, if the Federal Reserve (or other competent regulatory
agency or authority) promulgates any rule or issues any interpretation that defines general creditor(s) the main purpose of which
is to establish a criteria for determining whether the subordinated debt of a bank holding company is to be included in its capital,
then the term &ldquo;General Obligations&rdquo; will mean obligations to general creditors as described in that rule or interpretation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Global Security&rdquo; or &ldquo;Global Securities&rdquo;
means a Security or Securities, as the case may be, in the form established pursuant to Section&nbsp;2.2 evidencing all or part
of a Series of Securities, issued to the Depository for such Series or its nominee, and registered in the name of such Depository
or nominee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Holder&rdquo; or &ldquo;Securityholder&rdquo; means
a person in whose name a Security is registered on the register maintained by the Registrar.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Indenture&rdquo; means this Indenture as amended or
supplemented from time to time and shall include the form and terms of particular Series of Securities established as contemplated
hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;interest&rdquo; with respect to any Discount Security
which by its terms bears interest only after Maturity, means interest payable after Maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Material Subsidiary&rdquo; means Customers Bank or
any successor thereof or any subsidiary of the Company that is a depository institution and that has consolidated assets equal
to 30% or more of the Company&rsquo;s consolidated assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Maturity,&rdquo; when used with respect to any Security
or installment of principal thereof, means the date on which the principal of such Security or such installment of principal becomes
due and payable as therein or herein provided, whether at the Stated Maturity or by declaration of acceleration, call for redemption,
notice of option to elect repayment or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Officer&rdquo; means the Chief Executive Officer, the
Chief Financial Officer, the President, any Vice-President, the Treasurer, the Secretary, any Assistant Treasurer or any Assistant
Secretary of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Officers&rsquo; Certificate&rdquo; means a certificate
signed by two Officers, one of whom must be the Company&rsquo;s principal executive officer, principal financial officer or principal
accounting officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Opinion of Counsel&rdquo; means a written opinion of
legal counsel who is acceptable to the Trustee. The counsel may be an employee of or counsel to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;person&rdquo; means any individual, corporation, partnership,
joint venture, association, limited liability company, joint-stock company, trust, unincorporated organization or government or
any agency or political subdivision thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;principal&rdquo; of a Security means the principal
of the Security plus, when appropriate, the premium, if any, on, and any Additional Amounts in respect of, the Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Representative&rdquo; means the (a) indenture trustee
or other trustee, agent or representative for any Senior Indebtedness or (b) with respect to any Senior Indebtedness that does
not have any such trustee, agent or other representative, (i) in the case of such Senior Indebtedness issued pursuant to an agreement
providing for voting arrangements as among the holders or owners of such Senior Indebtedness, any holder or owner of such Senior
Indebtedness acting with the consent of the required persons necessary to bind such holders or owners of such Senior Indebtedness
and (ii) in the case of all other such Senior Indebtedness, the holder or owner of such Senior Indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Responsible Officer&rdquo; means any officer of the
Trustee within the Corporate Trust Administration department in the Corporate Trust Office, having direct responsibility for the
administration of this Indenture, and also, means, with respect to a particular corporate trust matter, any other officer of such
Trustee to whom any corporate trust matter is referred because of such officer&rsquo;s knowledge of and familiarity with the particular
subject.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;SEC&rdquo; means the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Securities&rdquo; means the debentures, notes or other
debt instruments of the Company of any Series authenticated and delivered under this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Senior Indebtedness&rdquo; shall mean principal of
(and premium, if any) and interest, if any, on, and any other payment due pursuant to, any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) the Company&rsquo;s obligations for
money borrowed;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) indebtedness evidenced by bonds, debentures,
notes or similar instruments;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) similar obligations arising from off-balance
sheet guarantees and direct credit substitutes;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) reimbursement obligations with respect
to letters of credit, bankers&rsquo; acceptances or similar facilities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) obligations issued or assumed as the
deferred purchase price of property or services (but excluding trade accounts payable or accrued liabilities arising in the ordinary
course of business);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(f) capital and operating lease obligations;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(g) obligations associated with derivative
products including but not limited to securities contracts, foreign currency exchange contracts, swap agreements (including interest
rate and foreign exchange rate swap agreements), cap agreements, floor agreements, collar agreements, interest rate agreements,
foreign exchange rate agreements, options, commodity futures contracts, commodity option contracts and similar financial instruments;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(h) debt of others described in the preceding
clauses that the Company has guaranteed or for which the Company is otherwise liable;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(i) any deferrals, renewals or extensions
of Senior Indebtedness; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(j) General Obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">unless, in any case, in the instrument
creating or evidencing any such indebtedness or obligation, or pursuant to which the same is outstanding, it is expressly provided
that such indebtedness or obligation is not superior in right of payment to the Securities or to other debt that is pari passu
with or subordinate to the Securities; and, <U>provided</U>, <U>however</U>, that &ldquo;Senior Indebtedness&rdquo; shall not include
(i) indebtedness owed by the Company to any Subsidiary of the Company or (ii) any indebtedness the terms of which expressly provide
that such indebtedness ranks equally with, or junior to, the Securities or to other debt that is equal with or junior to such Securities,
including guarantees of such indebtedness.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Series&rdquo; or &ldquo;Series of Securities&rdquo;
means each series of debentures, notes or other debt instruments of the Company created pursuant to Sections 2.1 and 2.2 hereof.</P>

<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&ldquo;Significant Subsidiary&rdquo; means (i)&nbsp;any direct or
indirect Subsidiary of the Company that would be a &ldquo;significant subsidiary&rdquo; as defined in Article 1, Rule 1-02 of Regulation
S-X, promulgated pursuant to the Securities Act of 1933, as amended, as such regulation is in effect on the date hereof, or (ii)&nbsp;any
group of direct or indirect Subsidiaries of the Company that, taken together as a group, would be a &ldquo;significant subsidiary&rdquo;
as defined in Article 1, Rule 1-02 of Regulation S-X, promulgated pursuant to the Securities Act of 1933, as amended, as such regulation
is in effect on the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Stated Maturity&rdquo; when used with respect to any
Security or any installment of principal thereof or interest thereon, means the date specified in such Security as the fixed date
on which the principal of such Security or such installment of principal or interest is due and payable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Subsidiary&rdquo; means, with respect to any person:
(a)&nbsp;any corporation, association or other business entity of which more than 50% of the total voting power of shares of Capital
Stock or other equity interest entitled (without regard to the occurrence of any contingency and after giving effect to any voting
agreement or shareholders&rsquo; agreement that effectively transfers voting power) to vote in the election of directors, managers
or trustees thereof is at the time owned or controlled, directly or indirectly, by such person or one or more of the other Subsidiaries
of that person (or a combination thereof); and (b)&nbsp;any partnership or limited liability company of which (i)&nbsp;more than
50% of the capital accounts, distribution rights, total equity and voting interests or general and limited partnership interests,
as applicable, are owned or controlled, directly or indirectly, by such person or one or more of the other Subsidiaries of that
person or a combination thereof, whether in the form of membership, general, special or limited partnership interests or otherwise,
and (ii)&nbsp;such person or any Subsidiary of such person is a controlling general partner or otherwise controls such entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;TIA&rdquo; means the Trust Indenture Act of 1939 (15
U.S. Code &sect;&sect; 77aaa-77bbbb) as in effect on the date of this Indenture; <I>provided</I>, <I>however</I>, that in the event
the Trust Indenture Act of 1939 is amended after such date, &ldquo;TIA&rdquo; means, to the extent required by any such amendment,
the Trust Indenture Act as so amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Trustee&rdquo; means the person named as the &ldquo;Trustee&rdquo;
in the first paragraph of this instrument until a successor Trustee shall have become such pursuant to the applicable provisions
of this Indenture, and thereafter &ldquo;Trustee&rdquo; shall mean or include each person who is then a Trustee hereunder, and
if at any time there is more than one such person, &ldquo;Trustee&rdquo; as used with respect to the Securities of any Series shall
mean the Trustee with respect to Securities of that Series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;U.S. Government Obligations&rdquo; means direct obligations,
or obligations guaranteed by, the United States of America, and the payment for which the United States pledges its full faith
and credit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;1.2. <U>Other Definitions</U>.</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 84%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 12%">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7.5pt"><B>TERM</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="font-size: 7.5pt"><B>DEFINED&nbsp;IN<BR>
SECTION</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;Bankruptcy Law&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">6.1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;Custodian&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">6.1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;Event of Default&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">6.1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;Legal Holiday&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">10.7</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;mandatory sinking fund payment&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">11.1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;optional sinking fund payment&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">11.1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;Paying Agent&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.4</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;Registrar&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.4</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;Service Agent&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.4</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-size: 10pt">&ldquo;successor person&rdquo;</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">5.1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;1.3. <U>Incorporation by Reference of Trust Indenture
Act</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Whenever this Indenture refers to a provision of the TIA,
the provision is incorporated by reference in and made a part of this Indenture. The following TIA terms used in this Indenture
have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;Commission&rdquo; means the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;indenture securities&rdquo; means the Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&ldquo;obligor&rdquo; on the indenture securities means the
Company and any successor obligor upon the Securities.</P>

<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">All other terms used in this Indenture that are defined by the TIA,
defined by TIA reference to another statute or defined by SEC rule under the TIA and not otherwise defined herein are used herein
as so defined.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;1.4. <U>Rules of Construction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Unless the context otherwise requires:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">(a) a term has the meaning assigned to it;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">(b) an accounting term not otherwise defined has the meaning
assigned to it in accordance with GAAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">(c) &ldquo;or&rdquo; is not exclusive;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">(d) words in the singular include the plural, and in the plural
include the singular; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">(e) provisions apply to successive events and transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE II</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;2.1. <U>Issuable in Series</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The aggregate principal amount of Securities that may be authenticated
and delivered under this Indenture is unlimited. The Securities may be issued in one or more Series. All Securities of a Series
shall be identical except as may be set forth or determined in a manner provided in a Board Resolution, supplemental indenture
or Officers&rsquo; Certificate detailing the adoption of the terms thereof pursuant to authority granted under a Board Resolution.
In the case of Securities of a Series to be issued from time to time, the Board Resolution, supplemental indenture or Officers&rsquo;
Certificate detailing the adoption of the terms thereof pursuant to authority granted under a Board Resolution may provide for
the method by which specified terms (such as interest rate, maturity date, record date or date from which interest shall accrue)
are to be determined. Securities may differ between Series in respect of any matters, provided that all Series of Securities shall
be equally and ratably entitled to the benefits of the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;2.2. <U>Establishment of Terms of Series of Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">At or prior to the issuance of any Securities within a Series,
the following shall be established (as to the Series generally, in the case of Subsection 2.2.1 and either as to such Securities
within the Series or as to the Series generally in the case of Subsections 2.2.2 through 2.2.23) by or pursuant to a Board Resolution,
and set forth or determined in the manner provided in a Board Resolution, supplemental indenture or Officers&rsquo; Certificate:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">2.2.1 the title of the Series (which
shall distinguish the Securities of that particular Series from the Securities of any other Series);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.2 the price or prices (expressed as
a percentage of the principal amount thereof) at which the Securities of the Series will be issued;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.3 any limit upon the aggregate principal
amount of the Securities of the Series which may be authenticated and delivered under this Indenture (except for Securities authenticated
and delivered upon registration of transfer of, or in exchange for, or in lieu of, other Securities of the Series pursuant to Section&nbsp;2.7,
2.8, 2.11, 3.6 or 9.6);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.4 the date or dates on which the principal
of the Securities of the Series is payable;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.5 the rate or rates (which may be
fixed or variable) per annum or, if applicable, the method used to determine such rate or rates (including, but not limited to,
any commodity, commodity index, stock exchange index or financial index) at which the Securities of the Series shall bear interest,
if any, the date or dates from which such interest, if any, shall accrue, the date or dates on which such interest, if any, shall
commence and be payable and any regular record date for the interest payable on any interest payment date;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">2.2.6 the place or places where the principal,
and premium, if any, and interest, if any, on the Securities of the Series shall be payable and the method of such payment, if
by wire transfer, mail or other means, and the place or places where the Securities of such Series may be surrendered for registration
of transfer or exchange and where notices and demands to or upon the Company in respect of the Securities of such Series and this
Indenture may be served;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.7 if applicable, the period or periods
within which, the price or prices at which and the terms and conditions upon which the Securities of the Series may be redeemed,
in whole or in part, at the option of the Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.8 the obligation, if any, of the Company
to redeem or purchase the Securities of the Series pursuant to any sinking fund or analogous provisions or at the option of a Holder
thereof and the period or periods within which, the price or prices at which, the currency or currencies in which and the other
terms and conditions upon which Securities of the Series shall be redeemed or purchased, in whole or in part, pursuant to such
obligation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.9 the dates, if any, on which and
the price or prices at which the Securities of the Series will be repurchased by the Company at the option of the Holders thereof
and other detailed terms and provisions of such repurchase obligations;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.10 if other than minimum denominations
of $1,000 and any integral multiple thereof, the denominations in which the Securities of the Series shall be issuable;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.11 the forms of the Securities of
the Series and whether the Securities will be issuable as Global Securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.12 if other than the principal amount
thereof, the portion of the principal amount of the Securities of the Series that shall be payable upon declaration of acceleration
of the maturity thereof pursuant to Section&nbsp;6.2;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.13 Reserved;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.14 Reserved;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.15 Reserved;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.16 the manner in which the amounts
of payment of principal of and premium, if any, or interest, if any, on the Securities of the Series will be determined, if such
amounts may be determined by reference to an index based on a currency or currencies or by reference to a commodity, commodity
index, stock exchange index or financial index;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.17 the provisions, if any, relating
to any security provided for the Securities of the Series;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.18 any addition to, change in or deletion
from the Events of Default which apply to any Securities of the Series and any change in the right of the Trustee or the requisite
Holders of such Securities to declare the principal amount thereof due and payable pursuant to Section&nbsp;6.2;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.19 any addition to or change in the
covenants set forth in Articles IV or V which applies to Securities of the Series;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.20 any depositories, interest rate
calculation agents, exchange rate calculation agents or other agents with respect to Securities of such Series if other than those
appointed herein;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.21 the provisions, if any, relating
to conversion of any Securities of such Series, including if applicable, the conversion price, the conversion period, the securities
or other property into which the Securities will be convertible, provisions as to whether conversion will be mandatory, at the
option of the Holders thereof or at the option of the Company, the events requiring an adjustment of the conversion price and provisions
affecting conversion if such Series of Securities are redeemed;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.22 whether the Securities of such
Series will be senior debt securities or subordinated debt securities and, if applicable, the subordination terms thereof; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.2.23 any other terms of the Securities
of the Series (which may supplement, modify or delete any provision of this Indenture insofar as it applies to such Series).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">All Securities of any one Series need not be issued at the
same time and may be issued from time to time, consistent with the terms of this Indenture, if so provided by or pursuant to the
Board Resolution, supplemental indenture hereto or Officers&rsquo; Certificate referred to above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.3 <U>Execution and Authentication.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Any Officer shall sign the Securities for the Company by
manual or facsimile signature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If an Officer whose signature is on a Security no longer holds
that office at the time the Security is authenticated, the Security shall nevertheless be valid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">A Security shall not be valid until authenticated by the manual
signature of the Trustee or an authenticating agent. The signature shall be conclusive evidence that the Security has been authenticated
under this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Trustee shall at any time, and from time to time, authenticate
Securities for original issue in the principal amount provided in the Board Resolution, supplemental indenture hereto or Officers&rsquo;
Certificate, upon receipt by the Trustee of a Company Order. Such Company Order may authorize authentication and delivery pursuant
to written or electronic instructions from the Company or its duly authorized agent or agents. Each Security shall be dated the
date of its authentication unless otherwise provided by a Board Resolution, a supplemental indenture hereto or an Officers&rsquo;
Certificate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The aggregate principal amount of Securities of any Series
outstanding at any time may not exceed any limit upon the maximum principal amount for such Series set forth in the Board Resolution,
supplemental indenture hereto or Officers&rsquo; Certificate delivered pursuant to Section&nbsp;2.2, except as provided in Section&nbsp;2.8.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Prior to the issuance of Securities of any Series, the Trustee
shall have received and (subject to Section&nbsp;7.2) shall be fully protected in relying on: (a)&nbsp;the Board Resolution, supplemental
indenture hereto or Officers&rsquo; Certificate establishing the form of the Securities of that Series or of Securities within
that Series and the terms of the Securities of that Series or of Securities within that Series, (b)&nbsp;an Officers&rsquo; Certificate
complying with Section&nbsp;10.4, and (c)&nbsp;an Opinion of Counsel complying with Section&nbsp;10.4.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Trustee shall have the right to decline to authenticate
and deliver any Securities of such Series: (a)&nbsp;if the Trustee, being advised by counsel, determines that such action may not
be taken lawfully; or (b)&nbsp;if the Trustee in good faith by its board of directors or trustees, executive committee or a trust
committee of directors and/or vice-presidents shall determine that such action would expose the Trustee to personal liability to
Holders of any then outstanding Series of Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Trustee may appoint an authenticating agent acceptable
to the Company to authenticate Securities. An authenticating agent may authenticate Securities whenever the Trustee may do so.
Each reference in this Indenture to authentication by the Trustee includes authentication by such agent. An authenticating agent
has the same rights as an Agent to deal with the Company or an Affiliate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.4 <U>Registrar and Paying Agent</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company shall maintain, with respect to each Series
of Securities, at the place or places specified with respect to such Series pursuant to Section&nbsp;2.2, an office or agency where
Securities of such Series may be presented or surrendered for payment (&ldquo;Paying Agent&rdquo;), where Securities of such Series
may be surrendered for registration of transfer or exchange (&ldquo;Registrar&rdquo;) and where notices and demands to or upon
the Company in respect of the Securities of such Series and this Indenture may be served (&ldquo;Service Agent&rdquo;). The Registrar
shall keep a register with respect to each Series of Securities and to their transfer and exchange. The Company will give prompt
written notice to the Trustee of the name and address, and any change in the name or address, of each Registrar, Paying Agent or
Service Agent. If at any time the Company shall fail to maintain any such required Registrar or Paying Agent or shall fail to furnish
the Trustee with the name and address thereof, such presentations and surrenders may be made or served at the Corporate Trust Office
of the Trustee, and the Company hereby appoints the Trustee as its agent to receive all such presentations and surrenders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Company may also from time to time designate one or more
co-registrars, additional paying agents or additional service agents and may from time to time rescind such designations; <I>provided</I>,
<I>however</I>, that no such designation or rescission shall in any manner relieve the Company of its obligations to maintain a
Registrar, Paying Agent and Service Agent in each place so specified pursuant to Section&nbsp;2.2 for Securities of any Series
for such purposes. The Company will give prompt written notice to the Trustee of any such designation or rescission and of any
change in the name or address of any such co-registrar, additional paying agent or additional service agent. The term &ldquo;Registrar&rdquo;
includes any co-registrar; the term &ldquo;Paying Agent&rdquo; includes any additional paying agent; and the term &ldquo;Service
Agent&rdquo; includes any additional service agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Company hereby appoints the Trustee the initial Registrar
and Paying Agent for each Series unless another Registrar or Paying Agent, as the case may be, is appointed prior to the time Securities
of that Series are first issued. The Company shall act as its own Service Agent for each Series unless another Service Agent is
appointed prior to the time Securities of that Series are first issued. In no event shall the Company or any affiliate thereof
serve as Paying Agent or Registrar for any series of Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.5 <U>Paying Agent to Hold Money in Trust</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company shall require each Paying Agent other than the
Trustee to agree in writing that the Paying Agent will hold in trust, for the benefit of Securityholders of any Series of Securities,
or the Trustee, all money held by the Paying Agent for the payment of principal of or interest on the Series of Securities, and
will notify the Trustee in writing of any default by the Company in making any such payment. While any such default continues,
the Trustee may require a Paying Agent to pay all money held by it to the Trustee. The Company at any time may require a Paying
Agent to pay all money held by it to the Trustee. Upon payment over to the Trustee, the Paying Agent (if other than the Company
or a Subsidiary of the Company) shall have no further liability for the money. If the Company or a Subsidiary of the Company acts
as Paying Agent, it shall segregate and hold in a separate trust fund for the benefit of Securityholders of any Series of Securities
all money held by it as Paying Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.6 <U>Securityholder Lists</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Trustee shall preserve in as current a form as is reasonably
practicable the most recent list available to it of the names and addresses of Securityholders of each Series of Securities and
shall otherwise comply with TIA Section&nbsp;312(a). If the Trustee is not the Registrar, the Company shall furnish to the Trustee
at least ten days before each interest payment date and at such other times as the Trustee may request in writing a list, in such
form and as of such date as the Trustee may reasonably require, of the names and addresses of Securityholders of each Series of
Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.7 <U>Transfer and Exchange</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Where Securities of a Series are presented to the Registrar
or a co-registrar with a request to register a transfer or to exchange them for an equal principal amount of Securities of the
same Series, the Registrar shall register the transfer or make the exchange if its requirements for such transactions are met.
To permit registrations of transfers and exchanges, the Trustee shall authenticate Securities at the Registrar&rsquo;s request.
No service charge shall be made for any registration of transfer or exchange (except as otherwise expressly permitted herein),
but the Company may require payment of a sum sufficient to cover any transfer tax or similar governmental charge payable in connection
therewith (other than any such transfer tax or similar governmental charge payable upon exchanges pursuant to Sections 2.11, 3.6
or 9.6).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Neither the Company nor the Registrar shall be required (a)&nbsp;to
issue, register the transfer of, or exchange Securities of any Series for the period beginning at the opening of business fifteen
days immediately preceding the mailing of a notice of redemption of Securities of that Series selected for redemption and ending
at the close of business on the day of such mailing, or (b)&nbsp;to register the transfer of or exchange Securities of any Series
selected, called or being called for redemption as a whole or the portion being redeemed of any such Securities selected, called
or being called for redemption in part.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Section&nbsp;2.8 <U>Mutilated, Destroyed, Lost and Stolen Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If any mutilated Security is surrendered to the Trustee, the
Company shall execute and the Trustee shall authenticate and deliver in exchange therefor a new Security of the same Series and
of like tenor and principal amount and bearing a number not contemporaneously outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If there shall be delivered to the Company and the Trustee
(a)&nbsp;evidence to their satisfaction of the destruction, loss or theft of any Security and (b)&nbsp;such security or indemnity
as may be required by them to save each of them and any agent of either of them harmless, then, in the absence of written notice
to the Company or the Trustee that such Security has been acquired by a protected purchaser, the Company shall execute and upon
receipt of a Company Order the Trustee shall authenticate and make available for delivery, in lieu of any such destroyed, lost
or stolen Security, a new Security of the same Series and of like tenor and principal amount and bearing a number not contemporaneously
outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">In case any such mutilated, destroyed, lost or stolen Security
has become or is about to become due and payable, the Company in its discretion may, instead of issuing a new Security, pay such
Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Upon the issuance of any new Security under this Section,
the Company may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation
thereto and any other expenses (including the fees and expenses of the Trustee) connected therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Every new Security of any Series issued pursuant to this Section
in lieu of any destroyed, lost or stolen Security shall constitute an original additional contractual obligation of the Company,
whether or not the destroyed, lost or stolen Security shall be at any time enforceable by anyone, and shall be entitled to all
the benefits of this Indenture equally and proportionately with any and all other Securities of that Series duly issued hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The provisions of this Section are exclusive and shall preclude
(to the extent lawful) all other rights and remedies with respect to the replacement or payment of mutilated, destroyed, lost or
stolen Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.9 <U>Outstanding Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Securities outstanding at any time are all the Securities
authenticated by the Trustee except for those cancelled by it, those delivered to it for cancellation, those reductions in the
interest on a Global Security effected by the Trustee in accordance with the provisions hereof and those described in this Section
as not outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If a Security is replaced pursuant to Section&nbsp;2.8, it
ceases to be outstanding unless the Trustee receives proof satisfactory to it that the replaced Security is held by a protected
purchaser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If the Paying Agent (other than the Company, a Subsidiary
of the Company or an Affiliate of the Company of any thereof) holds on the Maturity of Securities of a Series money sufficient
to pay all amounts payable in respect of such Securities on that date, then on and after that date such Securities of the Series
cease to be outstanding and interest on them ceases to accrue.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Company may purchase or otherwise acquire the Securities,
whether by open market purchases, negotiated transactions or otherwise. A Security does not cease to be outstanding because the
Company or an Affiliate of the Company holds the Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">In determining whether the Holders of the requisite principal
amount of outstanding Securities have given any request, demand, authorization, direction, notice, consent or waiver hereunder,
the principal amount of a Discount Security that shall be deemed to be outstanding for such purposes shall be the amount of the
principal thereof that would be due and payable as of the date of such determination upon a declaration of acceleration of the
Maturity thereof pursuant to Section&nbsp;6.2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.10 <U>Treasury Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">In determining whether the Holders of the required principal
amount of Securities of a Series have concurred in any request, demand, authorization, direction, notice, consent or waiver Securities
of a Series owned by the Company or any Affiliate of the Company shall be disregarded, except that for the purposes of determining
whether the Trustee shall be protected in relying on any such request, demand, authorization, direction, notice, consent or waiver
only Securities of a Series that a Responsible Officer of the Trustee knows are so owned shall be so disregarded.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Section&nbsp;2.11 <U>Temporary Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Until definitive Securities are ready for delivery, the
Company may prepare and the Trustee shall authenticate temporary Securities upon a Company Order. Temporary Securities shall be
substantially in the form of definitive Securities but may have variations that the Company considers appropriate for temporary
Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Without unreasonable delay, the Company shall prepare and
the Trustee upon receipt of a Company Order shall authenticate definitive Securities of the same Series and date of Maturity in
exchange for temporary Securities. Until so exchanged, temporary Securities shall have the same rights under this Indenture as
the definitive Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.12 <U>Cancellation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company at any time may deliver Securities to the Trustee
for cancellation. The Registrar and the Paying Agent shall forward to the Trustee any Securities surrendered to them for registration
of transfer, exchange or payment. The Trustee shall cancel all Securities surrendered for transfer, exchange, payment, replacement
or cancellation and shall dispose of such canceled Securities in accordance with its customary procedures and deliver a certificate
of such disposition to the Company upon the Company&rsquo;s written request. The Company may not issue new Securities to replace
Securities that it has paid or delivered to the Trustee for cancellation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.13 <U>Defaulted Interest</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">If the Company defaults in a payment of interest on a Series
of Securities, it shall pay the defaulted interest, plus, to the extent permitted by law, any interest payable on the defaulted
interest, to the persons who are Securityholders of the Series on a subsequent special record date. The Company shall fix the record
date and payment date. At least 10 days before the record date, the Company shall mail or cause to be mailed to the Trustee and
to each Securityholder of the Series a notice that states the record date, the payment date and the amount of interest to be paid.
The Company may pay defaulted interest in any other lawful manner.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;2.14 <U>Global Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">2.14.1 <U>Terms of Securities</U>. A
Board Resolution, a supplemental indenture hereto or an Officers&rsquo; Certificate shall establish whether the Securities of a
Series shall be issued in whole or in part in the form of one or more Global Securities and the Depository for such Global Security
or Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">2.14.2 <U>Transfer and Exchange</U>.
Notwithstanding any provisions to the contrary contained in Section&nbsp;2.7 of the Indenture and in addition thereto, any Global
Security shall be exchangeable pursuant to Section&nbsp;2.7 of the Indenture for Securities registered in the names of Holders
other than the Depository for such Security or its nominee only if (a)&nbsp;such Depository notifies the Company that it is unwilling
or unable to continue as Depository for such Global Security or if at any time such Depository ceases to be a clearing agency registered
under the Exchange Act, and, in either case, the Company fails to appoint a successor Depository registered as a clearing agency
under the Exchange Act within 90 days of such event or (b)&nbsp;the Company executes and delivers to the Trustee an Officers&rsquo;
Certificate to the effect that such Global Security shall be so exchangeable. Any Global Security that is exchangeable pursuant
to the preceding sentence shall be exchangeable for Securities registered in such names as the Depository shall direct in writing
in an aggregate principal amount equal to the principal amount of the Global Security with like tenor and terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Except as provided in this Section&nbsp;2.14.2, a Global Security
may not be transferred except as a whole by the Depository with respect to such Global Security to a nominee of such Depository,
by a nominee of such Depository to such Depository or another nominee of such Depository or by the Depository or any such nominee
to a successor Depository or a nominee of such a successor Depository.<BR>
<BR>
&#9;2.14.3 <U>Legend</U>. Any Global Security issued hereunder shall bear a legend in substantially the following form:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&ldquo;THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING
OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF THE DEPOSITORY OR A NOMINEE OF THE DEPOSITORY. THIS SECURITY
IS EXCHANGEABLE FOR SECURITIES REGISTERED IN THE NAME OF A PERSON OTHER THAN THE DEPOSITORY OR ITS NOMINEE ONLY IN THE LIMITED
CIRCUMSTANCES DESCRIBED IN THE INDENTURE, AND MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITORY TO A NOMINEE OF THE DEPOSITORY,
BY A NOMINEE OF THE DEPOSITORY TO THE DEPOSITORY OR ANOTHER NOMINEE OF THE DEPOSITORY OR BY THE DEPOSITORY OR ANY SUCH NOMINEE
TO A SUCCESSOR DEPOSITORY OR A NOMINEE OF SUCH A SUCCESSOR DEPOSITORY.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.14.4 <U>Acts of Holders</U>. The Depository,
as a Holder, may appoint agents and otherwise authorize participants to give or take any request, demand, authorization, direction,
notice, consent, waiver or other action which a Holder is entitled to give or take under the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.14.5 <U>Payments</U>. Notwithstanding
the other provisions of this Indenture, unless otherwise specified as contemplated by Section&nbsp;2.2, payment of the principal
of and interest, if any, on any Global Security shall be made to the Holder thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.14.6 <U>Consents, Declarations and Directions</U>.
Except as provided in Section&nbsp;2.14.5, the Company, the Trustee and any Agent shall treat a person as the Holder of such principal
amount of outstanding Securities of such Series represented by a Global Security as shall be specified in a written statement of
the Depository with respect to such Global Security, for purposes of obtaining any consents, declarations, waivers or directions
required to be given by the Holders pursuant to this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">2.14.7 <U>CUSIP Numbers</U>. The Company
in issuing the Securities may use &ldquo;CUSIP&rdquo; numbers (if then generally in use), and, if so, the Trustee shall use &ldquo;CUSIP&rdquo;
numbers in notices of redemption as a convenience to Holders; provided that any such notice may state that no representation is
made as to the correctness of such numbers either as printed on the Securities or as contained in any notice of a redemption and
that reliance may be placed only on the other elements of identification printed on the Securities, and any such redemption shall
not be affected by any defect in or omission of such numbers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE III</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;3.1 <U>Notice to Trustee</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company may, with respect to any Series of Securities,
reserve in a supplemental Indenture, the right to redeem and pay the Series of Securities or may covenant to redeem and pay the
Series of Securities or any part thereof prior to the Stated Maturity thereof at such time and on such terms as provided for in
such Securities. If a Series of Securities is redeemable and the Company wants or is obligated to redeem prior to the Stated Maturity
thereof all or part of the Series of Securities pursuant to the terms of such Securities, it shall notify the Trustee of the redemption
date and the principal amount of Series of Securities to be redeemed. The Company shall give the notice at least 60 days before
the redemption date (or such shorter notice as may be acceptable to the Trustee).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;3.2 <U>Selection of Securities to be Redeemed</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Unless otherwise indicated for a particular Series by a
Board Resolution, a supplemental indenture or an Officers&rsquo; Certificate, if less than all the Securities of any Series issued
on the same day with the same terms are to be redeemed, the particular Securities to be redeemed shall be selected not more than
45 calendar days prior to the redemption date by the Trustee, from the outstanding Securities of such Series issued on such date
with the same terms not previously called for redemption, on a pro rata basis, by lot or by such method as the Trustee shall deem
fair and appropriate, and, in the case of global Securities, in accordance with the procedures of the depositary; provided that
such method complies with the rules of any national securities exchange or quotation system on which the Securities are listed,
and may provide for the selection for redemption of portions (equal to the minimum authorized denomination for Securities of that
Series or any integral multiple thereof) of the principal amount of Securities of such Series of a denomination larger than the
minimum authorized denomination for Securities of that Series, or an integral multiple thereof, and the principal amount of a Security
which remains outstanding shall not be less than the minimum authorized denomination for Securities of such Series (so long as
the Trustee knows of such listing).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;3.3 <U>Notice of Redemption</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Unless otherwise indicated for a particular Series by Board
Resolution, a supplemental indenture hereto or an Officers&rsquo; Certificate, at least 30 days but not more than 60 days before
a redemption date, the Company shall mail a notice of redemption by first-class mail (or, in the case of Securities held in book
entry form, by electronic transmission) to each Holder whose Securities are to be redeemed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The notice shall identify the Securities of the Series to
be redeemed and shall state:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">(a) the redemption date;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) the redemption price;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) the name and address of the Paying
Agent;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) that Securities of the Series called
for redemption must be surrendered to the Paying Agent to collect the redemption price;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) that interest on Securities of the
Series called for redemption ceases to accrue on and after the redemption date;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(f) the CUSIP number, if any; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(g) any other information as may be required
by the terms of the particular Series or the Securities of a Series being redeemed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">At the Company&rsquo;s written request, the Trustee shall
give the notice of redemption in the Company&rsquo;s name and at its expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;3.4 <U>Effect of Notice of Redemption</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Once notice of redemption is mailed as provided in Section
3.3, Securities of a Series called for redemption become due and payable on the redemption date and at the redemption price, subject
to, with respect to any redemption that is conditioned upon the satisfaction of any conditions precedent, (i) the delay of such
redemption date until such time as any or all of such conditions precedent have been satisfied or (ii) the revocation of such redemption
if the Company determines that such conditions precedent will not be satisfied. Upon surrender to the Paying Agent, such Securities
shall be paid at the redemption price plus accrued interest to, but excluding, the redemption date; provided that installments
of interest whose Stated Maturity is on or prior to the redemption date shall be payable to the Holders of such Securities (or
one or more predecessor Securities) registered at the close of business on the relevant record date therefor according to their
terms and the terms of this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;3.5 <U>Deposit of Redemption Price</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">On or before 11:00 a.m. New York City time on the redemption
date, the Company shall deposit with the Paying Agent money sufficient to pay the redemption price of and accrued interest, if
any, on all Securities to be redeemed on that date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;3.6 <U>Securities Redeemed in Part</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Upon surrender of a Security that is redeemed in part, the
Trustee shall authenticate for the Holder a new Security of the same Series and the same maturity equal in principal amount to
the unredeemed portion of the Security surrendered.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;4.1 <U>Payment of Principal and Interest</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company covenants and agrees that it will duly and punctually
pay or cause to be paid when due the principal of (including the redemption price upon redemption pursuant to Article 3, if applicable),
and premium, if any, and interest, if any, on each of the Securities at the places, at the respective times and in the manner provided
herein and in the Securities; provided that the Company may withhold from payments of interest and upon redemption pursuant to
Article 3, if applicable, maturity or otherwise, any amounts the Company is required to withhold by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;4.2 <U>SEC Reports</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company shall deliver to the Trustee within 15 calendar
days after it files them with the SEC copies of the annual reports and of the information, documents, and other reports (or copies
of such portions of any of the foregoing as the SEC may by rules and regulations prescribe) which the Company is required to file
with the SEC pursuant to Section 13 or 15(d) of the Exchange Act. The Company also shall comply with the other provisions of TIA
Section 314(a). Delivery of such reports, information and documents to the Trustee is for informational purposes only and the Trustee&rsquo;s
receipt of such shall not constitute constructive notice of any information contained therein or determinable from information
contained therein, including the Company&rsquo;s compliance with any of its covenants hereunder (as to which the Trustee is entitled
to rely exclusively on an Officers&rsquo; Certificate). The Trustee shall have no responsibility for the filing, timeliness or
content of reports or to determine whether any information or reports have been filed with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;4.3 <U>Compliance Certificate</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company shall deliver to the Trustee, within 120 days
after the end of each calendar year of the Company, commencing with the first calendar year following the issuance of securities
of any series under this Indenture, an Officers&rsquo; Certificate stating that a review of the activities of the Company and its
Subsidiaries during the preceding fiscal year has been made under the supervision of the signing Officers with a view to determining
whether the Company has kept, observed, performed and fulfilled its obligations under this Indenture, and further stating, as to
each such Officer signing such certificate, that to the best of his knowledge the Company has kept, observed, performed and fulfilled
each and every covenant contained in this Indenture and is not in default in the performance or observance of any of the terms,
provisions and conditions hereof (or, if a Default or Event of Default shall have occurred, describing all such Defaults or Events
of Default of which he may have knowledge).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Company will, so long as any of the Securities are outstanding,
deliver to the Trustee, promptly upon becoming aware of any Default or Event of Default, an Officers&rsquo; Certificate specifying
such Default or Event of Default and what action the Company is taking or proposes to take with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;4.4 <U>Stay, Extension and Usury Laws</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company covenants (to the extent that it may lawfully
do so) that it will not at any time insist upon, plead, or in any manner whatsoever claim or take the benefit or advantage of,
any stay, extension or usury law wherever enacted, now or at any time hereafter in force, which may affect the covenants or the
performance of this Indenture or the Securities; and the Company (to the extent it may lawfully do so) hereby expressly waives
all benefit or advantage of any such law and covenants that it will not, by resort to any such law, hinder, delay or impede the
execution of any power herein granted to the Trustee, but will suffer and permit the execution of every such power as though no
such law has been enacted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;4.5 <U>Corporate Existence</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Subject to Article V, the Company will do or cause to be
done all things necessary to preserve and keep in full force and effect: (a)&nbsp;its corporate existence and the corporate, partnership
or other existence of each of its Significant Subsidiaries in accordance with the respective organizational documents (as the same
may be amended from time to time) of the Company or any such Significant Subsidiary; and (b)&nbsp;the rights (charter and statutory),
licenses and franchises of the Company and its Significant Subsidiaries; provided, however, that the Company shall not be required
to preserve any such right, license or franchise, or the corporate, partnership or other existence of any of its Significant Subsidiaries,
if the Board of Directors shall determine that the preservation thereof is no longer desirable in the conduct of the business of
the Company and its Subsidiaries taken as a whole and that the loss thereof is not adverse in any material respect to the Holders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Section&nbsp;4.6 <U>Taxes</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company shall, and shall cause each of its Significant
Subsidiaries to, pay prior to delinquency all taxes, assessments and governmental levies, except as contested in good faith and
by appropriate proceedings or where failure to effect such payment is not adverse in any material respect to the Holders of any
Series of Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;4.7 <U>Maintenance of Properties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company will cause all branch and office locations,
and all its real, personal and mixed properties to be maintained and kept in good, repair and working order and supplied with all
necessary equipment and will cause to be made all necessary repairs, renewals, replacements, betterments and improvements thereof,
all as in the judgment of the Company may be necessary so that the business carried on in connection therewith may be properly
and advantageously conducted; provided, however, that nothing in this Section shall prevent the Company from discontinuing the
operation and maintenance of any of such properties, or disposing of them if such discontinuance or disposal is, in the judgment
of the Company or its Significant Subsidiaries concerned, desirable in the conduct of its business or the business of any Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;4.8 <U>Maintenance of Insurance</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company will, and will cause each of its Subsidiaries
to, keep all its insurable properties insured against loss or damage with commercially reasonable amounts and types of insurance
provided by insurers of recognized responsibility.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE V</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;5.1 <U>Company May Consolidate or Merge on Certain
Terms</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Nothing contained in this Indenture or in the Securities
shall prevent any consolidation or merger of the Company with or into any other person or persons (whether or not affiliated with
the Company), or successive consolidations or mergers in which either the Company will be the continuing entity or the Company
or its successor or successors shall be a party or parties, or shall prevent any sale, conveyance, transfer or lease of all or
substantially all of the property of the Company, to any other person (whether or not affiliated with the Company); provided, however,
that the following conditions are met:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">(a) the Company shall be the continuing
entity, or the successor entity (if other than the Company) formed by or resulting from any consolidation or merger or which shall
have received the transfer of all or substantially all assets shall be organized under the laws of the United States of America
or one of its states, and shall expressly assume the due and punctual payment of the principal of and interest and premium on all
of the Securities and the due and punctual performance and observance of all of the covenants, obligations and conditions of the
Company in this Indenture;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) immediately after giving effect to
such transaction, no Default or Event of Default shall have occurred and be continuing; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) either the Company or the successor
person, in either case, shall have delivered to the Trustee an Officers&rsquo; Certificate, stating that such consolidation, merger,
sale, conveyance, transfer or lease and, if a supplemental indenture is required in connection with such transaction, such supplemental
indenture, comply with this Section&nbsp;5.1 and that all conditions precedent herein provided for relating to such transaction
have been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;5.2 <U>Company Successor to be Substituted</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Upon any consolidation by the Company with or merger of
the Company into any other person or any sale, conveyance, transfer or lease of all or substantially all of the properties and
assets of the Company to any person in accordance with Section&nbsp;5.1 hereof, the successor person (&ldquo;successor person&rdquo;)
formed by such consolidation or into which the Company is merged or to which such sale, conveyance, transfer or lease is made shall
succeed to, and be substituted for, and shall have all liabilities and obligations of the Company, including the obligations of
the Company to the due and punctual payment of the principal of and interest and premium and all the Securities and the due and
punctual performance of all the covenants, obligations and conditions in this indenture, and may exercise every right and power
of, the Company under this Indenture with the same effect as if such successor person had been named as the Company herein, and
thereafter the predecessor person shall be released from all obligations and covenants under this Indenture and the Securities;
provided, however, that the predecessor Company in the case of a sale, lease, conveyance or other disposition shall not be relieved
from the obligation to pay the principal of and interest on the Securities except in the case of a sale, conveyance or other disposition
of all or substantially all of the Company&rsquo;s assets in a transaction that is subject to, and that complies with the provisions
of, Section&nbsp;5.1 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">In case of any such consolidation, merger, sale, conveyance,
transfer or lease, such changes in phraseology and form (but not in substance) may be made in the Securities thereafter to be issued
as may be appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE VI</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section 6.1 <U>Events of Default</U>. Each of the following
constitutes an &ldquo;Event of Default&rdquo;:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) default in the payment of any interest
on any Security of that Series when it becomes due and payable, and continuance of such default for a period of 30 calendar days
(unless the entire amount of such payment is deposited by the Company with the Trustee or with a Paying Agent prior to the expiration
of such period of 30 calendar days);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&#9;(b) the Company defaults in the payment when due of all
or any part of the principal of any Security of that Series as and when the same shall become due and payable either at maturity,
upon any redemption, upon acceleration of maturity or otherwise;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) the Company fails to perform any other covenant or agreement on the part of the Company contained in the Notes or in this
Indenture and such failure continues for a period of 90 days after the date on which notice specifying such failure, stating that
such notice is a &ldquo;Notice of Default&rdquo; hereunder and demanding that the Company remedy the same, shall have been given,
by registered or certified mail (or, if registered or certified mail is not then offered by the U.S. Post Office, by first class
mail return receipt requested), to the Company by the Trustee, or to the Company and the Trustee by the Holders of at least 25%
in aggregate principal amount of the Notes at the time outstanding;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) a court having jurisdiction in the premises shall enter (i) a decree or order for relief in respect of the Company or a
Material Subsidiary in an involuntary case or proceeding under any applicable Bankruptcy Law now or hereafter in effect, (ii) or
a decree or order adjudging the Company or a Material Subsidiary bankrupt or insolvent, or approving as properly filed a petition
seeking reorganization, arrangement, adjustment, or composition of or in respect of the Company or a Material Subsidiary under
any applicable federal or state law, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator or other
similar official of the Company or a Material Subsidiary or for any substantial part of its property or ordering the winding up
or liquidation of its affairs, shall have been entered, and such decree or order shall remain unstayed and in effect for a period
of 60 consecutive days;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) the Company or a Material Subsidiary shall commence a voluntary case or proceeding under any Bankruptcy Law now or hereafter
in effect or any other case or proceeding to be adjudicated bankrupt or insolvent, or consent to the entry of a decree or order
for relief in respect of the Company or a Material Subsidiary in an involuntary case or proceeding under any such law, or to the
commencement of any bankruptcy or insolvency case or proceeding against the Company or a Material Subsidiary, or the filing by
the Company or a Material Subsidiary of a petition or answer to consent seeking reorganization or relief under any such applicable
federal or state law, or the consent by the Company or a Material Subsidiary to the filing of such petition or to the appointment
of or the taking possession by a custodian, receiver, liquidator, assignee, trustee, sequestrator or other similar official of
the Company or a Material Subsidiary or of any substantial part of its property, or the making by the Company or a Material Subsidiary
of an assignment for the benefit of creditors, or the taking of action by the Company or a Material Subsidiary in furtherance of
any such action; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(f) The Company or a Material Subsidiary defaults under any bond, debenture, note or other evidence of indebtedness for money
borrowed by the Company or a Material Subsidiary having an aggregate principal amount outstanding of at least $25,000,000, or under
any mortgage, indenture or instrument (including the Indenture) under which there may be issued or by which there may be secured
or evidenced any indebtedness for money borrowed by the Company or a Material Subsidiary having an aggregate principal amount outstanding
of at least $25,000,000, whether such indebtedness now exists or is created in the future, which default (i) constitutes a failure
to pay any portion of the principal of such indebtedness when due and payable after the expiration of any applicable grace period
or (ii) results in such indebtedness becoming due or being declared due and payable prior to the date on which it otherwise would
have become due and payable without, in the case of clause (i), such indebtedness having been discharged or, in the case of clause
(ii), without such indebtedness having been discharged or such acceleration having been rescinded or annulled.<BR>
<BR>
Upon becoming aware of any Event of Default, the Company shall promptly deliver to the Trustee a written statement specifying such
Event of Default.<BR>
<BR>
The term &ldquo;Bankruptcy Law&rdquo; means title 11, U.S. Code or any U.S. federal or state bankruptcy, insolvency, reorganization,
receivership, conservatorship or similar law, including, without limitation, the Federal Deposit Insurance Act and the Dodd-Frank
Wall Street Reform and Consumer Protection Act of 2010.<BR>
<BR>
Section 6.2 <U>Acceleration</U>.<BR>
<BR>
Except to the extent provided otherwise in the establishing Board Resolution, supplemental indenture or Officers&rsquo; Certificate
for such Series, if an Event of Default with respect to Securities of any Series at the time outstanding occurs and is continuing
(other than an Event of Default referred to in Section 6.1(d) or 6.1(e)), then in every such case the Trustee or the Holders of
not less than 25.0% in aggregate principal amount of the outstanding Securities of that Series may declare the principal amount
(or, if any Securities of that Series are Discount Securities, such portion of the principal amount as may be specified in the
terms of such Securities) of and accrued and unpaid interest, if any, on all of the Securities of that Series to be due and payable
immediately, by a notice in writing to the Company (and to the Trustee if given by Holders), and upon any such declaration such
principal amount (or portion thereof) and accrued and unpaid interest, if any, shall become immediately due and payable. If an
Event of Default specified in Section 6.1(d) or 6.1(e) shall occur, the principal amount (or portion thereof) of and accrued and
unpaid interest, if any, on all outstanding Securities shall automatically become and be immediately due and payable without any
declaration or other act on the part of the Trustee or any Holder.<BR>
<BR>
At any time after such a declaration of acceleration with respect to any Series has been made and before a judgment or decree for
payment of the money due has been obtained by the Trustee as hereinafter in this Article VI provided, the Holders of a majority
in principal amount of the outstanding Securities of that Series, by written notice to the Company and the Trustee, may rescind
and annul such declaration and its consequences if all Events of Default with respect to Securities of that Series, other than
the non-payment of the principal and interest, if any, of Securities of that Series which have become due solely by such declaration
of acceleration, have been cured or waived as provided in Section 6.13.<BR>
<BR>
No such rescission shall affect any subsequent default or impair any right consequent thereon.<BR>
<BR>
Section&nbsp;6.3 <U>Collection of Indebtedness and Suits for Enforcement by Trustee</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company covenants that if</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) default is made in the payment of
any interest on any Security when such interest becomes due and payable and such default continues for a period of 30 days, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) default is made in the payment of
principal, and premium, if any, of any Security at the Maturity thereof, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) default is made in the deposit of
any sinking fund payment when and as due by the terms of a Security,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0 0.5in">then, the Company will, upon demand of the Trustee,
pay to it, for the benefit of the Holders of such Securities, the whole amount then due and payable on such Securities for principal,
premium and interest and, to the extent that payment of such interest shall be legally enforceable, interest on any overdue principal
and any overdue interest, at the rate or rates prescribed therefor in such Securities, and, in addition thereto, such further amount
as shall be sufficient to cover the costs and expenses of collection, including the reasonable compensation, expenses, disbursements
and advances of the Trustee, its agents and counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If the Company fails to pay such amounts forthwith upon such
demand, the Trustee, in its own name and as trustee of an express trust, may institute a judicial proceeding for the collection
of the sums so due and unpaid, may prosecute such proceeding to judgment or final decree and may enforce the same against the Company
or any other obligor upon such Securities and collect the moneys adjudged or deemed to be payable in the manner provided by law
out of the property of the Company or any other obligor upon such Securities, wherever situated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If an Event of Default with respect to any Securities of any
Series occurs and is continuing, the Trustee may in its discretion proceed to protect and enforce its rights and the rights of
the Holders of Securities of such Series by appropriate judicial proceedings to protect and enforce any such rights, whether for
the specific enforcement of any covenant or agreement in this Indenture or in aid of the exercise of any power granted herein,
or to enforce any other proper remedy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.4 <U>Trustee May File Proofs of Claim</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">In case of the pendency of any receivership, insolvency,
liquidation, bankruptcy, reorganization, arrangement, adjustment, composition or other judicial proceeding or administrative proceeding
or action relative to the Company any Material Subsidiary or any other obligor upon the Securities or the property of the Company,
such other obligor or Material Subsidiary or their respective creditors, the Trustee (irrespective of whether the principal of
the Securities shall then be due and payable as therein expressed or by declaration or otherwise and irrespective of whether the
Trustee shall have made any demand on the Company for the payment of overdue principal or interest) shall be entitled and empowered,
by intervention in such proceeding or otherwise, to take any and all actions authorized under the Trust Indenture Act, including
in order to have claims of the Holders and the Trustee allowed in any such proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) to file and prove a claim for the
whole amount of principal and interest owing and unpaid in respect of the Securities and to file such other papers or documents
as may be necessary or advisable in order to have the claims of the Trustee (including any claim for the reasonable compensation,
expenses, disbursements and advances of the Trustee, its agents and counsel) and of the Holders allowed in such judicial proceeding,
and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b) to collect and receive any moneys or other
property payable or deliverable on any such claims and to distribute the same,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0 0.5in">and any Custodian in any such judicial proceeding is
hereby authorized by each Holder to make such payments to the Trustee and, in the event that the Trustee shall consent to the making
of such payments directly to the Holders, to pay to the Trustee any amount due it for the reasonable compensation, expenses, disbursements
and advances of the Trustee, its agents and counsel, and any other amounts due the Trustee under Section&nbsp;7.7.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Nothing herein contained shall be deemed to authorize the
Trustee to authorize or consent to or accept or adopt on behalf of any Holder any plan of reorganization, arrangement, adjustment
or composition affecting the Securities or the rights of any Holder thereof or to authorize the Trustee to vote in respect of the
claim of any Holder in any such proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.5 <U>Trustee May Enforce Claims Without
Possession of Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">All rights of action and claims under this Indenture or
the Securities may be prosecuted and enforced by the Trustee without the possession of any of the Securities or the production
thereof in any proceeding relating thereto, and any such proceeding instituted by the Trustee shall be brought in its own name
as trustee of an express trust, and any recovery of judgment shall, after provision for the payment of the reasonable compensation,
expenses, disbursements and advances of the Trustee, its agents and counsel, be for the ratable benefit of the Holders of the Securities
in respect of which such judgment has been recovered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.6 <U>Application of Money Collected</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Any money collected by the Trustee pursuant to this Article
shall be applied in the following order, at the date or dates fixed by the Trustee and, in case of the distribution of such money
on account of principal or interest, upon presentation of the Securities and the notation thereon of the payment if only partially
paid and upon surrender thereof if fully paid:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">First: To the payment of all amounts due the Trustee under
Section&nbsp;7.7; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Second: To the payment of the amounts then due and unpaid
for principal of and interest on the Securities in respect of which or for the benefit of which such money has been collected,
ratably, without preference or priority of any kind, according to the amounts due and payable on such Securities for principal,
premium, if any and interest, respectively; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Third: To the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.7 <U>Limitation on Suits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">No Holder of any Security of any Series shall have any right
to institute any proceeding, judicial or otherwise, with respect to this Indenture, or for the appointment of a receiver or trustee,
or for any other remedy hereunder, unless</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) such Holder has previously given written
notice to the Trustee of a continuing Event of Default with respect to the Securities of that Series;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) the Holders of not less than 25% in
principal amount of the outstanding Securities of that Series shall have made written request to the Trustee to institute proceedings
in respect of such Event of Default in its own name as Trustee hereunder;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) such Holder or Holders have offered
to the Trustee security or indemnity acceptable to the Trustee against the costs, expenses and liabilities to be incurred in compliance
with such request;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) the Trustee for 60 days after its
receipt of such notice, request and offer of indemnity has failed to institute any such proceeding; and<BR>
<BR>
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(e) no direction inconsistent with such written
request has been given to the Trustee during such 60-day period by the Holders of a majority in principal amount of the outstanding
Securities of that Series;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0 0.5in">it being understood and intended that no one or more
of such Holders shall have any right in any manner whatever by virtue of, or by availing of, any provision of this Indenture to
affect, disturb or prejudice the rights of any other of such Holders, or to obtain or to seek to obtain priority or preference
over any other of such Holders or to enforce any right under this Indenture, except in the manner herein provided and for the equal
and ratable benefit of all such Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.8 <U>Unconditional Right of Holders to Receive
Principal, Premium and Interest</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Notwithstanding any other provision in this Indenture, the
Holder of any Security shall have the right, which is absolute and unconditional, to receive payment of the principal, premium
and interest, if any, on such Security on the Stated Maturity or Stated Maturities expressed in such Security (or, in the case
of redemption, on the redemption date) and to institute suit for the enforcement of any such payment, and such rights shall not
be impaired without the consent of such Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.9 <U>Restoration of Rights and Remedies</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">If the Trustee or any Holder has instituted any proceeding
to enforce any right or remedy under this Indenture and such proceeding has been discontinued or abandoned for any reason, or has
been determined adversely to the Trustee or to such Holder, then and in every such case, subject to any determination in such proceeding,
the Company, the Trustee and the Holders shall be restored severally and respectively to their former positions hereunder and thereafter
all rights and remedies of the Trustee and the Holders shall continue as though no such proceeding had been instituted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.10 <U>Rights and Remedies Cumulative</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Except as otherwise provided with respect to the replacement
or payment of mutilated, destroyed, lost or stolen Securities in Section&nbsp;2.8, no right or remedy herein conferred upon or
reserved to the Trustee or to the Holders is intended to be exclusive of any other right or remedy, and every right and remedy
shall, to the extent permitted by law, be cumulative and in addition to every other right and remedy given hereunder or now or
hereafter existing at law or in equity or otherwise. The assertion or employment of any right or remedy hereunder, or otherwise,
shall not, to the extent permitted by law, prevent the concurrent assertion or employment of any other appropriate right or remedy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.11 <U>Delay or Omission Not Waiver</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">No delay or omission of the Trustee or of any Holder of
any Securities to exercise any right or remedy accruing upon any Event of Default shall impair any such right or remedy or constitute
a waiver of any such Event of Default or an acquiescence therein. Every right and remedy given by this Article or by law to the
Trustee or to the Holders may be exercised from time to time, and as often as may be deemed expedient, by the Trustee or by the
Holders, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.12 <U>Control by Holders</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Holders of a majority in principal amount of the outstanding
Securities of any Series shall have the right to direct the time, method and place of conducting any proceeding for any remedy
available to the Trustee, or exercising any trust or power conferred on the Trustee, with respect to the Securities of such Series,
provided that</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) such direction shall not be in conflict
with any rule of law or with this Indenture,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) the Trustee may take any other action
deemed proper by the Trustee which is not inconsistent with such direction,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) the Trustee shall have the right to
decline to follow any such direction if the Trustee in good faith shall, by a Responsible Officer of the Trustee, determine that
the proceeding so directed would involve the Trustee in personal liability or may be unduly prejudicial to the Holders of any other
Securities of such Series not joining in such direction, and</P>

<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d) such Holders shall have provided security
or indemnity satisfactory to the Trustee in connection with the action or inaction so directed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.13 <U>Waiver of Past Defaults</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Holders of not less than 25% in principal amount of
the outstanding Securities of any Series may on behalf of the Holders of all the Securities of such Series waive any past Default
hereunder with respect to such Series and its consequences, except a Default (a)&nbsp;in the payment of the principal of or any
premium or interest on any Security of such Series (<I>provided</I>, <I>however</I>, that the Holders of not less than a majority
in principal amount of the outstanding Securities of any Series may rescind an acceleration and its consequences, including any
related payment default that resulted from such acceleration) or (b)&nbsp;in respect of a covenant or provision hereof which cannot
be modified or amended without the consent of the Holder of each outstanding Security of such Series affected. Upon any such waiver,
such Default shall cease to exist, and any Event of Default arising therefrom shall be deemed to have been cured, for every purpose
of this Indenture; but no such waiver shall extend to any subsequent or other Default or impair any right consequent thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;6.14 <U>Undertaking for Costs</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">All parties to this Indenture agree, and each Holder of
any Security by his acceptance thereof shall be deemed to have agreed, that any court may in its discretion require, in any suit
for the enforcement of any right or remedy under this Indenture, or in any suit against the Trustee for any action taken, suffered
or omitted by it as Trustee, the filing by any party litigant in such suit of an undertaking to pay the costs of such suit, and
that such court may in its discretion assess reasonable costs, including reasonable attorneys&rsquo; fees, against any party litigant
in such suit, having due regard to the merits and good faith of the claims or defenses made by such party litigant; but the provisions
of this Section shall not apply to any suit instituted by the Company, to any suit instituted by the Trustee, to any suit instituted
by any Holder, or group of Holders, holding in the aggregate more than 10% in principal amount of the outstanding Securities of
any Series, or to any suit instituted by any Holder for the enforcement of the payment of the principal of or interest on any Security
on or after the Stated Maturity or Stated Maturities expressed in such Security (or, in the case of redemption, on the redemption
date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE VII</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;7.1 <U>Duties of Trustee</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) If an Event of Default has occurred
and is continuing, the Trustee shall exercise the rights and powers vested in it by this Indenture and use the same degree of care
and skill in their exercise as a prudent person would exercise or use under the circumstances in the conduct of such person&rsquo;s
own affairs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) Except during the continuance of an
Event of Default:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 1in">(i) The Trustee need perform only those
duties that are specifically set forth in this Indenture and no others.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 1in">(ii) In the absence of bad faith on its
part, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein,
upon Officers&rsquo; Certificates or Opinions of Counsel furnished to the Trustee and conforming to the requirements of this Indenture;
however, in the case of any such Officers&rsquo; Certificates or Opinions of Counsel which by any provisions hereof are specifically
required to be furnished to the Trustee, the Trustee shall examine such Officers&rsquo; Certificates and Opinions of Counsel to
determine whether or not they conform to the requirements of this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) The Trustee may not be relieved from
liability for its own negligent action, its own negligent failure to act or its own willful misconduct, except that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 1in">(i) This paragraph does not limit the
effect of paragraph (b)&nbsp;of this Section.<BR>
<BR>
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(ii) The Trustee shall not be liable for any error
of judgment made in good faith by a Responsible Officer, unless it is proved that the Trustee was negligent in ascertaining the
pertinent facts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 1in">(iii) The Trustee shall not be liable with
respect to any action taken, suffered or omitted to be taken by it with respect to Securities of any Series in good faith in accordance
with the direction of the Holders of a majority in principal amount of the outstanding Securities of such Series relating to the
time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred
upon the Trustee, under this Indenture with respect to the Securities of such Series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) Every provision of this Indenture
that in any way relates to the Trustee is subject to paragraph (a), (b)&nbsp;and (c)&nbsp;of this Section.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) The Trustee may refuse to perform
any duty or exercise any right or power at the request or direction of any Holder unless it receives indemnity or security satisfactory
to it against any loss, liability or expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(f) The Trustee shall not be liable for
interest on any money received by it except as the Trustee may agree in writing with the Company. Money held in trust by the Trustee
need not be segregated from other funds except to the extent required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(g) No provision of this Indenture shall
require the Trustee to risk its own funds or otherwise incur any financial liability in the performance of any of its duties, or
in the exercise of any of its rights or powers, if it shall have reasonable grounds for believing that repayment of such funds
or adequate indemnity against such risk is not reasonably assured to it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(h) The Paying Agent, the Registrar and
any authenticating agent shall be entitled to the protections, immunities and standard of care as are set forth in this Section
with respect to the Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(i) The right of the Trustee to perform
any permissive rights enumerated in this Indenture shall not be construed as a duty, and the Trustee shall not be personally answerable
except to the Holders for its own negligence or willful misconduct in the performance of any such act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.2 <U>Rights of Trustee</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">(a) The Trustee may rely on and shall
be protected in acting or refraining from acting upon any resolution, certificate, statement, instrument, opinion, report, notice,
request, direction, consent, order, judgment, bond, debenture, note, other evidence of indebtedness or other paper or document
believed by it to be genuine and to have been signed or presented by the proper person not only as to due execution, validity and
effectiveness, but also as to the truth and accuracy of any information contained therein.. The Trustee need not investigate any
fact or matter stated in the document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) Before the Trustee acts or refrains
from acting, it may require an Officers&rsquo; Certificate or an Opinion of Counsel. The Trustee shall not be liable for any action
it takes or omits to take in good faith in reliance on such Officers&rsquo; Certificate or Opinion of Counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) The Trustee may act through agents
and shall not be responsible for the misconduct or negligence of any agent appointed with due care. No Depository shall be deemed
an agent of the Trustee and the Trustee shall not be responsible for any act or omission by any Depository.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) The Trustee shall not be liable for
any action it takes or omits to take without negligence and in good faith which it believes to be authorized or within its rights
or powers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) The Trustee may consult with counsel
or other professionals of its selection and the advice of such counsel or other professional or any Opinion of Counsel shall be
full and complete authorization and protection and the Trustee shall have no liability in respect of any action taken, suffered
or omitted by it hereunder without negligence and in good faith and in reliance thereon.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(f) The Trustee shall be under no obligation
to exercise any of the rights or powers vested in it by this Indenture at the request or direction of any of the Holders of Securities
unless such Holders shall have offered to the Trustee security or indemnity satisfactory to it against the costs, expenses and
liabilities which might be incurred by it in compliance with such request or direction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(g) Notwithstanding any other provisions
hereof to the contrary, in no event shall the Trustee be responsible or liable for any special, indirect, punitive, incidental
or consequential loss or damage of any kind whatsoever (including but not limited to lost profits) irrespective of whether the
Trustee has been advised of the likelihood of such loss or damage, and regardless of the form of action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(h) The Trustee undertakes to perform
such duties and only such duties as are specifically and expressly set forth in this Indenture. These duties shall be purely ministerial
in nature and the Trustee shall not be liable except in the performance of such duties and no implied covenants or obligations
shall be read into this Indenture against the Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(i) The Trustee shall not be charged with
knowledge of (A) any events or other information or (B) any default under this Indenture or any other agreement unless a Responsible
Officer of the Trustee shall have actual knowledge thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(j) The Trustee shall neither be responsible
for, nor chargeable with, knowledge of the terms and conditions of any other agreement, instruction or document other than this
Indenture, whether or not an original or a copy of such agreement has been provided to the Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(k) The Trustee shall have no duty to
know or inquire as to the performance or nonperformance of any provision of any other agreement, instrument or document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(l) Neither the Trustee nor any of its
directors, officers, employees, agents or affiliates shall be responsible for nor have any duty to monitor the performance of the
Company or any of their directors, members, officers, agents affiliates or employees, nor shall it have any liability in connection
with the malfeasance or non-feasance by such party. The Trustee may assume performance by all such Persons of their respective
obligations. The Trustee shall have no enforcement or notification obligations relating to the breaches of representations or warranties
of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(m) In the performance of its rights and
duties hereunder, the Trustee shall be entitled to request and receive instructions from the Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(n) If any conflict, disagreement or dispute
arises between, among, or involving any of the parties hereto concerning the meaning or validity of any provision hereunder or
concerning any other matter relating to this Agreement, or the Trustee is in doubt as to the action to be taken hereunder, the
Trustee may, at its option, after sending written notice of the same to the Company, refuse to act until such time as it (i) receives
a final non-appealable order of a court of competent jurisdiction or (ii) receives a written instruction, executed by each of the
parties involved in such disagreement or dispute, in a form reasonably acceptable to the Trustee. The Trustee will be entitled
to act on any such written instruction or final, non-appealable order of a court of competent jurisdiction without further question,
inquiry or consent. The Trustee may file an interpleader action in a state or federal court, and upon the filing thereof, the Trustee
will be relieved of all liability as to the subject matter in dispute and will be entitled to recover reasonable and documented
out-of-pocket attorneys&rsquo; fees, expenses and other costs incurred in commencing and maintaining any such interpleader action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(o) Notwithstanding anything to the contrary
herein, the Trustee shall have no duty to prepare or file any Federal or state tax report or return with respect to any funds held
pursuant to this Indenture or any income earned thereon, except for the delivery and filing of tax information reporting forms
required to be delivered and filed with the Internal Revenue Service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(p) Each Holder shall provide the Trustee
with certified tax identification numbers by furnishing appropriate forms W-9 or W-8 or such other forms and documents that the
Trustee may request. Each Holder understands that if such tax reporting documentation is not provided and certified to the Trustee,
the Trustee may be required by the Internal Revenue Code of 1986, as amended, and the regulations promulgated thereunder, to withhold
a portion of certain payments made pursuant hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(q) To the extent that the Trustee becomes
liable for the payment of any taxes in respect of income derived from the investment of any money held pursuant to this Indenture,
the Trustee shall satisfy such liability to the extent possible from the money held pursuant to this Indenture. The Company shall
indemnify, defend and hold the Trustee harmless from and against any tax, late payment, interest, penalty or other cost or expense
that may be assessed against the Trustee on or with respect to the money held pursuant to this Indenture and the investment thereof
unless such tax, late payment, interest, penalty or other expense was finally adjudicated to have been directly caused by the gross
negligence or willful misconduct of the Trustee. The indemnification provided by this Section 7.2(q) is in addition to the indemnification
provided in Section 7.7 and shall survive the resignation or removal of the Trustee and the termination of this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.3 <U>Individual Rights of Trustee</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Trustee in its individual or any other capacity may
become the owner or pledgee of Securities and may otherwise deal with the Company or an Affiliate of the Company with the same
rights it would have if it were not Trustee. However, in the event that the Trustee acquires any conflicting interest it must eliminate
such conflict within 90 days, apply to the SEC for permission to continue as trustee (if this Indenture has been qualified under
the TIA) or resign. Any Agent may do the same with like rights and duties. The Trustee is also subject to Sections 7.10 and 7.11
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.4 <U>Trustee&rsquo;s Disclaimer</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Trustee makes no representation as to the validity or
adequacy of this Indenture or the Securities, it shall not be accountable for the Company&rsquo;s use of the proceeds from the
Securities, and it shall not be responsible for any statement in the Securities other than its authentication.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.5 <U>Notice of Defaults</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">If a Default or Event of Default occurs and is continuing
with respect to the Securities of any Series and if it is known to a Responsible Officer of the Trustee, the Trustee shall mail
to each Securityholder of the Securities of that Series notice of a Default or Event of Default within 90 days after it occurs
or, if later, after a Responsible Officer of the Trustee has knowledge of such Default or Event of Default. Except in the case
of a Default or Event of Default in payment of principal of or interest on any Security of any Series, the Trustee may withhold
the notice if and so long as it in good faith determines that withholding the notice is in the interests of Securityholders of
that Series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.6 <U>Reports by Trustee to Holders</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Within 60 days after December 1 in each year beginning with
the December 1 following the date of this Indenture, and for so long as Securities remain outstanding, the Trustee shall transmit
by mail to all Securityholders, as their names and addresses appear on the register kept by the Registrar a brief report dated
as of such December 1that complies with TIA Section&nbsp;313(a) (but if no event described in TIA Section&nbsp;313(a) has occurred
within the twelve months preceding the reporting date, no report need be transmitted). The Trustee also will comply with TIA Section&nbsp;313(b)(2).
The Trustee will also transmit by mail all reports as required by TIA &sect;313(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">A copy of each report at the time of its mailing to Securityholders
of any Series will be mailed by the Trustee to the Company and filed by the Trustee with the SEC and each stock exchange on which
the Securities of that Series are listed in accordance with TIA Section&nbsp;313(d). The Company shall promptly notify the Trustee
when Securities of any Series are listed on any stock exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.7 <U>Compensation and Indemnity</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company shall pay to the Trustee from time to time reasonable
compensation for its acceptance of this Indenture and services hereunder. The Trustee&rsquo;s compensation shall not be limited
by any law on compensation of a trustee of an express trust. The Company shall reimburse the Trustee upon request for all reasonable
disbursements, advances and expenses incurred or made by it in addition to the compensation for its services. Such expenses shall
include the reasonable compensation, disbursements and expenses of the Trustee&rsquo;s agents and counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Company shall indemnify and hold harmless the Trustee
in its individual capacity (including the cost of defending itself) from and against any and all liabilities, obligations, losses,
damages, taxes, claims, actions and suits, and any and all reasonable costs, expenses and disbursements of any kind and nature
whatsoever, including attorneys&rsquo; fees (collectively, &ldquo;Expenses&rdquo;) which may at any time be imposed on, incurred
by, or asserted against the Trustee in any way relating to or arising out of this Indenture or the performance of its duties hereunder
as Trustee or Agent or the administration of the trusts contemplated hereby (including those incurred with respect to enforcement
of its right to indemnity hereunder), in each case except as set forth in the next paragraph. The Trustee shall notify the Company
promptly of any claim for which it may seek indemnity. The Company shall defend the claim and the Trustee shall cooperate in the
defense. The Trustee may have separate counsel and the Company shall pay the reasonable fees and expenses of one such counsel.
The Company need not pay for any settlement made without its consent, which consent shall not be unreasonably withheld. This indemnification
shall apply to officers, directors, employees, shareholders, successors, assigns, servants and agents of the Trustee. The indemnities,
rights, and obligations contained in this Section shall survive the resignation or removal of the Trustee and shall survive the
termination of this Indenture and/or the trusts contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Company need not reimburse any expense or indemnify against
any loss or liability incurred by the Trustee or by any officer, director, employee, shareholder or agent of the Trustee through
the Trustee&rsquo;s own negligence or willful misconduct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">To secure the Company&rsquo;s payment obligations in this
Section, the Trustee shall have a lien prior to the Securities of any Series on all money or property held or collected by the
Trustee, except that held in trust to pay principal of and interest on particular Securities of that Series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">When the Trustee incurs expenses or renders services after
an Event of Default specified in Section&nbsp;6.1(e) or (f)&nbsp;occurs, the expenses and the compensation for the services are
intended to constitute expenses of administration under any Bankruptcy Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.8 <U>Replacement of Trustee</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">A resignation or removal of the Trustee and appointment
of a successor Trustee shall become effective only upon the successor Trustee&rsquo;s acceptance of appointment as provided in
this Section.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Trustee may resign with respect to the Securities of one
or more Series by so notifying the Company at least 30 days prior to the date of the proposed resignation. The Holders of a majority
in principal amount of the Securities of any Series may remove the Trustee with respect to that Series by so notifying the Trustee
and the Company in writing. The Company may remove the Trustee with respect to Securities of one or more Series if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">(a) the Trustee fails to comply with
Section&nbsp;7.10;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) the Trustee is adjudged bankrupt or
insolvent or an order for relief is entered with respect to the Trustee under any Bankruptcy Law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) a Custodian or public officer takes
charge of the Trustee or its property; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) the Trustee becomes incapable of acting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If the Trustee resigns or is removed or if a vacancy exists
in the office of Trustee for any reason, the Company shall promptly appoint a successor Trustee. Within one year after the successor
Trustee takes office, the Holders of a majority in principal amount of the then outstanding Securities may appoint a successor
Trustee to replace the successor Trustee appointed by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If a successor Trustee with respect to the Securities of any
one or more Series does not take office within 60 days after the retiring Trustee resigns or is removed, the retiring Trustee (at
the Company&rsquo;s expense), the Company or the Holders of at least 10% in principal amount of the Securities of the applicable
Series may petition any court of competent jurisdiction for the appointment of a successor Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If the Trustee with respect to the Securities of any one or
more Series fails to comply with Section&nbsp;7.10, any Securityholder of the applicable Series may petition any court of competent
jurisdiction for the removal of the Trustee and the appointment of a successor Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">A successor Trustee shall deliver a written acceptance of
its appointment to the retiring Trustee and to the Company. Immediately after that, the retiring Trustee shall transfer all property
held by it as Trustee to the successor Trustee subject to the lien provided for in Section&nbsp;7.7, the resignation or removal
of the retiring Trustee shall become effective, and the successor Trustee shall have all the rights, powers and duties of the Trustee
with respect to each Series of Securities for which it is acting as Trustee under this Indenture. A successor Trustee shall mail
a notice of its succession to each Securityholder of each such Series. Notwithstanding replacement of the Trustee pursuant to this
Section&nbsp;7.8, the Company&rsquo;s obligations under Section&nbsp;7.7 hereof shall continue for the benefit of the retiring
trustee with respect to expenses and liabilities incurred by it prior to such replacement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.9 <U>Successor Trustee by Merger, etc</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">If the Trustee consolidates with, merges or converts into,
sells or transfer<STRIKE>s</STRIKE> all or substantially all of its corporate trust business and assets as a whole or substantially
as a whole, any corporation or association resulting from any such conversion, sale, merger, consolidation or transfer to which
the Trustee is a party, will be and become the successor Trustee, under this Indenture and will have and succeed to the rights,
powers, duties, immunities and privileges as its predecessor, without the execution or filing of any instrument or paper or the
performance of any further act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.10 <U>Eligibility; Disqualification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">This Indenture shall always have a Trustee who satisfies
the requirements of TIA Section&nbsp;310(a)(1), (2)&nbsp;and (5). The Trustee shall always have a combined capital and surplus
of at least $250,000,000 as set forth in its most recent published annual report of condition. The Trustee shall comply with TIA
Section&nbsp;310(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;7.11 <U>Preferential Collection of Claims
Against Company</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Trustee is subject to TIA Section&nbsp;311(a), excluding
any creditor relationship listed in TIA Section&nbsp;311(b). A Trustee who has resigned or been removed shall be subject to TIA
Section&nbsp;311(a) to the extent indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE VIII</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;8.1 <U>Satisfaction and Discharge of Indenture</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">This Indenture shall upon Company Order cease to be of further
effect (except as hereinafter provided in this Section&nbsp;8.1), and the Trustee, at the expense of the Company, shall at Company
Request execute proper instruments acknowledging satisfaction and discharge of this Indenture, when</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) either</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 1in">(i) all Securities theretofore authenticated
and delivered (other than Securities that have been destroyed, lost or stolen and that have been replaced or paid) have been delivered
to the Trustee for cancellation; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 1in">(ii) all such Securities not theretofore
delivered to the Trustee for cancellation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 1.5in">(1) have become due and payable, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 1.5in">(2) will become due and payable at their
Stated Maturity within one year, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 1.5in">(3) have been called for redemption or
are to be called for redemption within one year under arrangements satisfactory to the Trustee for the giving of notice of redemption
by the Trustee in the name, and at the expense, of the Company, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 1.5in">(4) are deemed paid and discharged pursuant
to Section&nbsp;8.3, as applicable;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0 1in">and the Company, in the case of (1), (2)&nbsp;or (3)&nbsp;above,
has irrevocably deposited or caused to be deposited with the Trustee as trust funds in trust an amount sufficient for the purpose
of paying and discharging the entire indebtedness on such Securities not theretofore delivered to the Trustee for cancellation,
for principal and interest to the date of such deposit (in the case of Securities which have become due and payable on or prior
to the date of such deposit) or to the Stated Maturity or redemption date, as the case may be, and the Company has delivered irrevocable
instructions to the Trustee under this Indenture to apply the deposited money toward the payment of such Securities at the Stated
Maturity or redemption date, as the case may be;<BR>
<BR>
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b) the Company has paid or caused to be paid
all other sums payable hereunder by the Company; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) the Company has delivered to the Trustee
an Officers&rsquo; Certificate and an Opinion of Counsel, each stating that all conditions precedent herein provided for relating
to the satisfaction and discharge of this Indenture have been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Notwithstanding the satisfaction and discharge of this Indenture,
the obligations of the Company to the Trustee under Section&nbsp;7.7, and, if money shall have been deposited with the Trustee
pursuant to clause (a)&nbsp;of this Section, the provisions of Sections 2.4, 2.7, 2.8, 8.1, 8.2 and 8.5 shall survive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;8.2 <U>Application of Trust Funds; Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">(a) Subject to the provisions of Section&nbsp;8.5,
all money deposited with the Trustee pursuant to Section&nbsp;8.1, all money and U.S. Government Obligations deposited with the
Trustee pursuant to Section&nbsp;8.3 or 8.4 and all money received by the Trustee in respect of U.S. Government Obligations deposited
with the Trustee pursuant to Section&nbsp;8.3 or 8.4, shall be held in trust and applied by it, in accordance with the provisions
of the Securities and this Indenture, to the payment, either directly or through any Paying Agent (including the Company acting
as its own Paying Agent) as the Trustee may determine, to the persons entitled thereto, of the principal and interest for whose
payment such money has been deposited with or received by the Trustee or to make mandatory sinking fund payments or analogous payments
as contemplated by Sections 8.3 or 8.4.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) The Company shall pay and shall indemnify
the Trustee against any tax, fee or other charge imposed on or assessed against U.S. Government Obligations deposited pursuant
to Sections 8.3 or 8.4 or the interest and principal received in respect of such obligations other than any payable by or on behalf
of Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) The Trustee shall deliver or pay to
the Company from time to time upon Company Request any U.S. Government Obligations or money held by it as provided in Sections
8.3 or 8.4 which, in the opinion of a nationally recognized firm of independent certified public accountants expressed in a written
certification thereof delivered to the Trustee, are then in excess of the amount thereof which then would have been required to
be deposited for the purpose for which such U.S. Government Obligations or money were deposited or received. This provision shall
not authorize the sale by the Trustee of any U.S. Government Obligations held under this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;8.3 <U>Legal Defeasance of Securities of any
Series</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Unless this Section&nbsp;8.3 is otherwise specified, pursuant
to Section&nbsp;2.2.23, to be inapplicable to Securities of any Series, the Company shall be deemed to have paid and discharged
the entire indebtedness on all the outstanding Securities of any Series on the 91st day after the date of the deposit referred
to in subparagraph (d)&nbsp;hereof, and the provisions of this Indenture, as it relates to such outstanding Securities of such
Series, shall no longer be in effect (and the Trustee, at the expense of the Company, shall, at Company Request, execute proper
instruments acknowledging the same), except as to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) the rights of Holders of Securities
of such Series to receive, from the trust funds described in subparagraph (d)&nbsp;hereof, (i)&nbsp;payment of the principal of
and each installment of principal of and interest on the outstanding Securities of such Series on the Stated Maturity of such principal
or installment of principal or interest and (ii)&nbsp;the benefit of any mandatory sinking fund payments applicable to the Securities
of such Series on the day on which such payments are due and payable in accordance with the terms of this Indenture and the Securities
of such Series;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) the provisions of Sections 2.4, 2.7,
2.8, 8.2, 8.3 and 8.5; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) the rights, powers, trust and immunities
of the Trustee hereunder; provided that, the following conditions shall have been satisfied:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) the Company shall have deposited or
caused to be irrevocably deposited (except as provided in Section&nbsp;8.2(c)) with the Trustee as trust funds in trust for the
purpose of making the following payments, specifically pledged as security for and dedicated solely to the benefit of the Holders
of such Securities cash in Dollars and/or U.S. Government Obligations, which through the payment of interest and principal in respect
thereof, in accordance with their terms, will provide (and without reinvestment and assuming no tax liability will be imposed on
such Trustee), not later than one day before the due date of any payment of money, an amount in cash, sufficient, in the opinion
of a nationally recognized firm of independent public accountants expressed in a written certification thereof delivered to the
Trustee, to pay and discharge each installment of principal of and premium interest, if any, on and any mandatory sinking fund
payments in respect of all the Securities of such Series on the dates such installments of interest or principal and such sinking
fund payments are due;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) such deposit will not result in a
breach or violation of, or constitute a Default or an Event of Default under, this Indenture or any other agreement or instrument
to which the Company is a party or by which it is bound (other than a Default or Event of Default resulting from the borrowing
of funds to be applied to such deposit (and any similar concurrent deposit related to other indebtedness of the Company or any
Subsidiary) and the granting of liens to secure such borrowings);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(f) no Default or Event of Default with
respect to the Securities of such Series shall have occurred and be continuing on the date of such deposit or during the period
ending on the 91st day after such date (other than such Defaults and Events of Default that are contemplated in subparagraph (e)&nbsp;hereof);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(g) the Company shall have delivered to
the Trustee an Officers&rsquo; Certificate and an Opinion of Counsel to the effect that (i)&nbsp;the Company has received from,
or there has been published by, the Internal Revenue Service a ruling, or (ii)&nbsp;since the date of execution of this Indenture,
there has been a change in the applicable Federal income tax law, in either case to the effect that, and based thereon such Opinion
of Counsel shall confirm that, the Holders of the Securities of such Series will not recognize income, gain or loss for Federal
income tax purposes as a result of such deposit, defeasance and discharge and will be subject to Federal income tax on the same
amounts and in the same manner and at the same times as would have been the case if such deposit, defeasance and discharge had
not occurred;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(h) the Company shall have delivered to
the Trustee an Officers&rsquo; Certificate stating that the deposit was not made by the Company with the intent of preferring the
Holders of the Securities of such Series over any other creditors of the Company or with the intent of defeating, hindering, delaying
or defrauding any other creditors of the Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(i) the Company shall have delivered to
the Trustee an Opinion of Counsel to the effect that such deposit shall not result in the trust arising from such deposit constituting
an investment company (as defined in the Investment Company Act of 1940, as amended), or such trust shall be qualified under such
Act or exempt from regulation thereunder; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(j) the Company shall have delivered to
the Trustee an Officers&rsquo; Certificate and an Opinion of Counsel, each stating that all conditions precedent provided for relating
to the defeasance contemplated by this Section have been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;8.4 <U>Covenant Defeasance</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Unless this Section&nbsp;8.4 is otherwise specified pursuant
to Section&nbsp;2.2.23 to be inapplicable to Securities of any Series, the Company may omit to comply with respect to the Securities
of any Series with any term, provision or condition set forth under Sections 4.2, 4.3, 4.4, 4.5, 4.6, 4.7, 4.8 and 5.1 as well
as any additional covenants specified in a supplemental indenture hereto for such Series of Securities or a Board Resolution or
an Officers&rsquo; Certificate delivered pursuant to Section&nbsp;2.2 (and the failure to comply with any such covenants shall
not constitute a Default or Event of Default with respect to such Series under Section&nbsp;6.1) and the occurrence of any event
specified in a supplemental indenture for such Series of Securities or a Board Resolution or an Officers&rsquo; Certificate delivered
pursuant to Section&nbsp;2.2 and designated as an Event of Default shall not constitute a Default or Event of Default hereunder,
with respect to the Securities of such Series, provided that the following conditions shall have been satisfied:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">(a) With reference to this Section&nbsp;8.4,
the Company has deposited or caused to be irrevocably deposited (except as provided in Section&nbsp;8.2(c)) with the Trustee as
trust funds in trust for the purpose of making the following payments specifically pledged as security for, and dedicated solely
to, the benefit of the Holders of such Securities cash in Dollars and/or U.S. Government Obligations, which through the payment
of interest and principal in respect thereof, in accordance with their terms, will provide (and without reinvestment and assuming
no tax liability will be imposed on such Trustee), not later than one day before the due date of any payment of money, an amount
in cash, sufficient, in the opinion of a nationally recognized firm of independent certified public accountants expressed in a
written certification thereof delivered to the Trustee, to pay and discharge each installment of principal of and interest, if
any, on and any mandatory sinking fund payments in respect of the Securities of such Series on the dates such installments of interest
or principal and such sinking fund payments are due;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) Such deposit will not result in a
breach or violation of, or constitute a Default or Event of Default under, this Indenture or any other agreement or instrument
to which the Company is a party or by which it is bound (other than a Default or Event of Default resulting from the borrowing
of funds to be applied to such deposit (and any similar concurrent deposit related to other indebtedness of the Company or any
Subsidiary) and the granting of liens to secure such borrowings);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) No Default or Event of Default with
respect to the Securities of such Series shall have occurred and be continuing on the date of such deposit or during the period
ending on the 91st day after such date (other than such Defaults or Events of Default that are contemplated in subparagraph (b)&nbsp;hereof);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) The Company shall have delivered to
the Trustee an Opinion of Counsel to the effect that Holders of the Securities of such Series will not recognize income, gain or
loss for federal income tax purposes as a result of such deposit and covenant defeasance and will be subject to federal income
tax on the same amounts, in the same manner and at the same times as would have been the case if such deposit and covenant defeasance
had not occurred;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) The Company shall have delivered to
the Trustee an Officers&rsquo; Certificate stating the deposit was not made by the Company with the intent of preferring the Holders
of the Securities of such Series over any other creditors of the Company or with the intent of defeating, hindering, delaying or
defrauding any other creditors of the Company; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(f) The Company shall have delivered to
the Trustee an Officers&rsquo; Certificate and an Opinion of Counsel, each stating that all conditions precedent herein provided
for relating to the covenant defeasance contemplated by this Section have been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;8.5 <U>Repayment to Company</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Any money deposited with the Trustee or any Paying Agent,
or then held by the Company, in trust for the payment of the principal, premium, if any, or interest, if any, on, any Security
and remaining unclaimed for two years after such principal, premium, if any, or interest, if any, has become due and payable shall
be paid to the Company on its request or (if then held by the Company) will be discharged from such trust; and the Holder of such
Security will thereafter be permitted to look only to the Company for payment thereof, and all liability of the Trustee or such
Paying Agent with respect to such trust money, and all liability of the Company as trustee thereof, will thereupon cease; <I>provided,
however</I>, that the Trustee or such Paying Agent, before being required to make any such repayment, may at the expense of the
Company cause to be published once, in the New York Times and The Wall Street Journal (national edition), notice that such money
remains unclaimed and that, after a date specified therein, which will not be less than 30 days from the date of such notification
or publication, any unclaimed balance of such money then remaining will be repaid to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;8.6 <U>Reinstatement</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">If the Trustee or Paying Agent is unable to apply any money
or U.S. Government Obligations in accordance with Sections 8.1, 8.3 or 8.4, as the case may be, by reason of any order or judgment
of any court or governmental authority enjoining, restraining or otherwise prohibiting such application, the Company&rsquo;s obligations
under this Indenture and the Securities shall be revived and reinstated as though no deposit had occurred pursuant to Section&nbsp;8.1,
8.3 or 8.4, as the case may be, until such time as the Trustee or Paying Agent is permitted to apply all such money or U.S. Government
Obligations in accordance with Section&nbsp;8.1, 8.3 or 8.4, as the case may be; <I>provided</I>, <I>however</I>, that if the Company
makes any payment of principal, premium, if any, or interest, if any, on any Securities because of reinstatement of its obligations,
the Company shall be subrogated to the rights of the Holders of such Securities to receive such payment from the money or U.S.
Government Obligations held by the Trustee or Paying Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE IX</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;9.1 <U>Without Consent of Holders</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company and the Trustee may amend or supplement this
Indenture or the Securities of one or more Series without the consent of any Securityholder:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) to cure any ambiguity, defect or inconsistency;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) to provide for uncertificated Securities
in addition to or in place of certificated Securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) to provide for the assumption of the
Company&rsquo;s obligations to Holders of the Securities by a successor to the Company pursuant to Article V hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) to make any change that would provide
any additional rights or benefits to the Holders of Securities or that does not adversely affect the legal rights under the Indenture
of any such Holder;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) to provide for the issuance of and
establish the form and terms and conditions of Securities of any Series as permitted by this Indenture;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(f) to comply with requirements of the
SEC in order to effect or maintain the qualification of an indenture under the TIA;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(g) to conform the text of the Indenture
or the Notes to any provision of the description thereof set forth in a prospectus supplement, an accompanying prospectus or term
sheet;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(h) to add any guarantor or to provide
any collateral to secure any Notes;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(i) to add additional obligors under the
Indenture and the Securities; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(j) to evidence and provide for the acceptance
of appointment hereunder by a successor Trustee with respect to the Securities of one or more Series and to add to or change any
of the provisions of this Indenture as shall be necessary to provide for or facilitate the administration of the trusts hereunder
by more than one Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;9.2 <U>With Consent of Holders</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company and the Trustee may enter into a supplemental
indenture with the written consent of the Holders of at least a majority in principal amount of the outstanding Securities of each
Series affected by such supplemental indenture (including consents obtained in connection with a tender offer or exchange offer
for the Securities of such Series), for the purpose of adding any provisions to or changing in any manner or eliminating any of
the provisions of this Indenture or of any supplemental indenture or of modifying in any manner the rights of the Securityholders
of each such Series. Except as provided in Section&nbsp;6.13, the Holders of at least a majority in principal amount of the outstanding
Securities of each Series affected by such waiver by notice to the Trustee (including consents obtained in connection with a tender
offer or exchange offer for the Securities of such Series) may waive compliance by the Company with any provision of this Indenture
or the Securities with respect to such Series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">It shall not be necessary for the consent of the Holders of
Securities under this Section&nbsp;9.2 to approve the particular form of any proposed supplemental indenture or waiver, but it
shall be sufficient if such consent approves the substance thereof. After a supplemental indenture or waiver under this section
becomes effective, the Company shall mail to the Holders of Securities affected thereby, a notice briefly describing the supplemental
indenture or waiver. Any failure by the Company to mail or publish such notice, or any defect therein, shall not, however, in any
way impair or affect the validity of any such supplemental indenture or waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><BR>
Section&nbsp;9.3 <U>Limitations</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Without the consent of each Securityholder affected, an
amendment or waiver may not:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) reduce the principal amount of Securities
whose Holders must consent to an amendment, supplement or waiver;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) reduce the rate of or extend the time
for payment of interest (including default interest or interest on overdue amounts of principal, premium and interest) on any Security;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) reduce the principal of or change
the Stated Maturity of any Security or reduce the amount of, or postpone the date fixed for, the payment of any sinking fund or
analogous obligation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) reduce the principal amount of Discount
Securities payable upon acceleration of the maturity thereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(e) waive a Default or Event of Default
in the payment of the principal, premium, if any, or interest, if any, on any Security (except a rescission of acceleration of
the Securities of any Series by the Holders of at least a majority in principal amount of the outstanding Securities of such Series
and a waiver of the payment default that resulted from such acceleration);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(f) make the principal of or interest,
if any, on any Security payable in any currency other than Dollars;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(g) make any change in Sections 6.8, 6.13
or 9.3 (this sentence);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(h) change the definition of Senior Indebtedness
except to reduce the scope thereof; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(h) waive a redemption payment with respect
to any Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;9.4 <U>Compliance with Trust Indenture Act</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Every amendment to this Indenture or the Securities of one
or more Series shall be set forth in a supplemental indenture hereto that complies with the TIA as then in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;9.5 <U>Revocation and Effect of Consents</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Until an amendment, supplement or waiver becomes effective,
a consent to it by a Holder of a Security is a continuing consent by the Holder and every subsequent Holder of a Security or portion
of a Security that evidences the same debt as the consenting Holder&rsquo;s Security, even if notation of the consent is not made
on any Security. However, any such Holder or subsequent Holder may revoke the consent as to its Security or portion of a Security
if the Trustee receives written notice of revocation before the date the amendment, supplement or waiver becomes effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Any amendment or waiver once effective shall bind every Securityholder
of each Series affected by such amendment or waiver unless it is of the type described in any of clauses (a)&nbsp;through (h)&nbsp;of
Section&nbsp;9.3. In that case, notwithstanding anything herein to the contrary, the amendment or waiver shall bind each Holder
of a Security who has consented to it and every subsequent Holder of a Security or portion of a Security that evidences the same
debt as the consenting Holder&rsquo;s Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;9.6 <U>Notation on or Exchange of Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Trustee may place an appropriate notation about an amendment
or waiver on any Security of any Series thereafter authenticated. The Company in exchange for Securities of that Series may issue
and the Trustee shall authenticate upon request new Securities of that Series that reflect the amendment or waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><BR>
Section&nbsp;9.7 <U>Trustee Protected</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">In executing, or accepting the additional trusts created
by, any supplemental indenture permitted by this Article or the modifications thereby of the trusts created by this Indenture,
the Trustee shall be entitled to receive, and (subject to Section&nbsp;7.1) shall be fully protected in relying upon, an Opinion
of Counsel and an Officers&rsquo; Certificate stating that the execution of such supplemental indenture is authorized or permitted
by this Indenture. The Trustee shall sign all supplemental indentures, except that the Trustee need not sign any supplemental indenture
that adversely affects its rights or liabilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE X</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;10.1 <U>Trust Indenture Act Controls</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">If any provision of this Indenture limits, qualifies, or
conflicts with another provision which is required or deemed to be included in this Indenture by the TIA, such required or deemed
provision shall control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.2 <U>Notices</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Any notice or communication by the Company or the Trustee
to the other, or by a Holder to the Company or the Trustee, is duly given if in writing and delivered in person or by first class
mail (registered or certified, return receipt requested), facsimile transmission or overnight air courier guaranteeing next day
delivery, to the others&rsquo; address:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">if to the Company:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Customers Bancorp, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">1015 Penn Avenue, Suite 103</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Wyomissing, PA 19610</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">if to the Trustee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Wilmington Trust, National Association, as Trustee</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">1100 North Market Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Wilmington, DE 19890-0001</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Attention: Customers Bancorp, Inc. Administrator</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The Company or the Trustee by written notice to the other
may designate additional or different addresses for subsequent notices or communications.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">All notices and communications (other than those sent to Holders)
will be deemed to have been duly given: at the time delivered by hand, if personally delivered; five Business Days after being
deposited in the mail, postage prepaid, if mailed; when receipt acknowledged, if transmitted by facsimile; and the next Business
Day after timely delivery to the courier, if sent by overnight air courier guaranteeing next day delivery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Any notice or communication to a Holder will be mailed by
first class mail, certified or registered, return receipt requested, or by overnight air courier guaranteeing next day delivery
to its address shown on the register kept by the Registrar. Any notice or communication will also be so mailed to any person described
in TIA Section&nbsp;313(c), to the extent required by the TIA. Failure to mail a notice or communication to a Holder or any defect
in it will not affect its sufficiency with respect to other Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If a notice or communication is mailed in the manner provided
above within the time prescribed, it is duly given, whether or not the addressee receives it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">If the Company mails a notice or communication to Holders,
it shall mail a copy to the Trustee and each Agent at the same time.<BR>
<BR>
Section&nbsp;10.3 <U>Communication by Holders with Other Holders</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Securityholders of any Series may communicate pursuant to
TIA Section&nbsp;312(b) with other Securityholders of that Series or any other Series with respect to their rights under this Indenture
or the Securities of that Series or all Series. The Company, the Trustee, the Registrar and anyone else shall have the protection
of TIA Section&nbsp;312(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.4 <U>Certificate and Opinion as to Conditions
Precedent</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Upon any request or application by the Company to the Trustee
to take any action under this Indenture, the Company shall furnish to the Trustee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) an Officers&rsquo; Certificate stating
that, in the opinion of the signers, all conditions precedent, if any, provided for in this Indenture relating to the proposed
action have been complied with; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) an Opinion of Counsel stating that,
in the opinion of such counsel, all such conditions precedent have been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.5 <U>Statements Required in Certificate
or Opinion</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Each certificate or opinion with respect to compliance with
a condition or covenant provided for in this Indenture (other than a certificate provided pursuant to TIA Section&nbsp;314(a)(4))
shall comply with the provisions of TIA Section&nbsp;314(e) and shall include:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(a) a statement that the person making
such certificate or opinion has read such covenant or condition;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(b) a brief statement as to the nature
and scope of the examination or investigation upon which the statements or opinions contained in such certificate or opinion are
based;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(c) a statement that, in the opinion of
such person, he has made such examination or investigation as is necessary to enable him to express an informed opinion as to whether
or not such covenant or condition has been complied with; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">(d) a statement as to whether or not,
in the opinion of such person, such condition or covenant has been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.6 <U>Rules by Trustee and Agents</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Trustee may make reasonable rules for action by or a
meeting of Securityholders of one or more Series. Any Agent may make reasonable rules and set reasonable requirements for its functions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.7 <U>Legal Holidays</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Unless otherwise provided by Board Resolution, Officers&rsquo;
Certificate or supplemental indenture for a particular Series, a &ldquo;Legal Holiday&rdquo; is any day that is not a Business
Day. If a payment date is a Legal Holiday at a place of payment, payment may be made at that place on the next succeeding day that
is not a Legal Holiday, and no interest shall accrue for the intervening period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.8 <U>No Recourse Against Others</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">A director, officer, employee or shareholder (past or present)
of the Company, as such, or any successor person thereof, shall not have any liability for any obligations of the Company under
the Securities or the Indenture or for any claim based on, in respect of or by reason of such obligations or their creation. Each
Securityholder by accepting a Security waives and releases all such liability. The waiver and release are part of the consideration
for the issuance of the Securities. The waiver shall not be effective to waive liabilities under the federal securities laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><BR>
Section&nbsp;10.9 <U>Counterparts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">This Indenture may be executed in any number of counterparts
and by the parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of
which taken together shall constitute one and the same agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.10 <U>Governing Laws; Jurisdiction; Waiver
of Jury Trial</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">THE LAWS OF THE STATE OF NEW YORK WILL GOVERN AND BE USED
TO CONSTRUE THIS INDENTURE, THE NOTES AND WITHOUT GIVING EFFECT TO APPLICABLE PRINCIPLES OF CONFLICTS OF LAW TO THE EXTENT THAT
THE APPLICATION OF THE LAWS OF ANOTHER JURISDICTION WOULD BE REQUIRED THEREBY.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The parties hereby (i) irrevocably submit to the exclusive
jurisdiction of any federal or state court sitting in the Borough of Manhattan, the city of New York, (ii) waive any objection
to laying of venue in any such action or proceeding in such courts, and (iii) waive any objection that such courts are an inconvenient
forum or do not have jurisdiction over any party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Each of the parties hereto hereby waives the right to trial
by jury with respect to any litigation directly or indirectly arising out of, under or in connection with this Indenture or the
Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.11 <U>No Adverse Interpretation of Other
Agreements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">This Indenture may not be used to interpret another indenture,
loan or debt agreement of the Company or a Subsidiary of the Company. Any such indenture, loan or debt agreement may not be used
to interpret this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"><BR>
Section&nbsp;10.12 <U>Successors</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">All agreements of the Company in this Indenture and the
Securities shall bind its successor. All agreements of the Trustee in this Indenture shall bind its successor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.13 <U>Severability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">In case any provision in this Indenture or in the Securities
is declared by a court of competent jurisdiction to be invalid, illegal or unenforceable, it will be ineffective only to the extent
of such invalidity, so that the remainder of the provision and Indenture and Securities will continue in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;10.14 <U>Table of Contents, Headings, Etc</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Table of Contents, Cross-Reference Table, and headings
of the Articles and Sections of this Indenture have been inserted for convenience of reference only, are not to be considered a
part hereof, and shall in no way modify or restrict any of the terms or provisions hereof.<BR>
<BR>
Section 10.15. <U>Entire Agreement</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">This Indenture and any supplemental indentures hereto set
forth the entire agreement and understanding of the parties related to this transaction and supersedes all prior agreements and
understandings, oral or written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.25in 0 0; text-align: center">ARTICLE XI</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">Section&nbsp;11.1 <U>Applicability of Article</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The provisions of this Article shall be applicable to any
sinking fund for the retirement of the Securities of a Series, except as otherwise permitted or required by any form of Security
of such Series issued pursuant to this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0">The minimum amount of any sinking fund payment provided for
by the terms of the Securities of any Series is herein referred to as a &ldquo;mandatory sinking fund payment&rdquo; and any other
amount provided for by the terms of Securities of such Series is herein referred to as an &ldquo;optional sinking fund payment.&rdquo;
If provided for by the terms of Securities of any Series, the cash amount of any sinking fund payment may be subject to reduction
as provided in Section&nbsp;11.2. Each sinking fund payment shall be applied to the redemption of Securities of any Series as provided
for by the terms of the Securities of such Series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;11.2 <U>Satisfaction of Sinking Fund Payments
with Securities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">The Company may, in satisfaction of all or any part of any
sinking fund payment with respect to the Securities of any Series to be made pursuant to the terms of such Securities (1)&nbsp;deliver
outstanding Securities of such Series to which such sinking fund payment is applicable (other than any of such Securities previously
called for mandatory sinking fund redemption) and (2)&nbsp;apply as credit Securities of such Series to which such sinking fund
payment is applicable and which have been repurchased by the Company or redeemed either at the election of the Company pursuant
to the terms of such Series of Securities (except pursuant to any mandatory sinking fund) or through the application of permitted
optional sinking fund payments or other optional redemptions pursuant to the terms of such Securities, provided that such Securities
have not been previously so credited. Such Securities shall be received by the Trustee, together with an Officers&rsquo; Certificate
with respect thereto, not later than 15 days prior to the date on which the Trustee begins the process of selecting Securities
for redemption, and shall be credited for such purpose by the Trustee at the price specified in such Securities for redemption
through operation of the sinking fund and the amount of such sinking fund payment shall be reduced accordingly. If as a result
of the delivery or credit of Securities in lieu of cash payments pursuant to this Section&nbsp;11.2, the principal amount of Securities
of such Series to be redeemed in order to exhaust the aforesaid cash payment shall be less than $100,000, the Trustee need not
call Securities of such Series for redemption, except upon receipt of a Company Order that such action be taken, and such cash
payment shall be held by the Trustee or a Paying Agent and applied to the next succeeding sinking fund payment; <I>provided</I>,
<I>however</I>, that the Trustee or such Paying Agent shall from time to time upon receipt of a Company Order pay over and deliver
to the Company any cash payment so being held by the Trustee or such Paying Agent upon delivery by the Company to the Trustee of
Securities of that Series purchased by the Company having an unpaid principal amount equal to the cash payment required to be released
to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0">Section&nbsp;11.3 <U>Redemption of Securities for Sinking
Fund</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Not less than 45 days (unless otherwise indicated in the
Board Resolution, supplemental indenture hereto or Officers&rsquo; Certificate in respect of a particular Series of Securities)
prior to each sinking fund payment date for any Series of Securities, the Company will deliver to the Trustee an Officers&rsquo;
Certificate specifying the amount of the next ensuing mandatory sinking fund payment for that Series pursuant to the terms of that
Series, the portion thereof, if any, which is to be satisfied by payment of cash and the portion thereof, if any, which is to be
satisfied by delivering and crediting of Securities of that Series pursuant to Section&nbsp;11.2, and the optional amount, if any,
to be added in cash to the next ensuing mandatory sinking fund payment, and the Company shall thereupon be obligated to pay the
amount therein specified. Not less than 30 days (unless otherwise indicated in the Board Resolution, Officers&rsquo; Certificate
or supplemental indenture in respect of a particular Series of Securities) before each such sinking fund payment date the Trustee
shall select the Securities to be redeemed upon such sinking fund payment date in the manner specified in Section&nbsp;3.2 and
cause notice of the redemption thereof to be given in the name of and at the expense of the Company in the manner provided in Section&nbsp;3.3.
Such notice having been duly given, the redemption of such Securities shall be made upon the terms and in the manner stated in
Sections 3.4, 3.5 and 3.6.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: center">ARTICLE XII</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">Section 12.1 <U>Securities Subordinated to Senior Indebtedness</U>.
The Company covenants and agrees, and each Holder of Securities issued hereunder by accepting a Security covenants and agrees that
(a) the payment of the principal of, premium (if any) and interest on and any Additional Amounts with respect to each and all the
Securities and (b) any other payment in respect of the Securities, including on account of the acquisition or redemption of Securities
by the Company, is subordinated, to the extent and in the manner provided in such Security or in the supplemental indenture pursuant
to which such Security is issued, to the prior payment in full of all Senior Indebtedness specified in such Security or in such
supplemental indenture.<BR>
<BR>
Such subordination provisions shall constitute a continuing offer to all Persons who, in reliance upon such provisions, become
holders of, or continue to hold, any of such Senior Indebtedness, and such provisions are made for the benefit of the holders of
such Senior Indebtedness and any one or more of them may enforce such provisions.<BR>
<BR>
The Trustee&rsquo;s rights to compensation and indemnification as set forth in Section 7.7 herein shall not be subject to the subordination
provisions of this Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"><BR>
Section 12.2 <U>Right of Trustee to Hold Senior Indebtedness</U>. The Trustee in its individual capacity shall be entitled to all
of the rights set forth in this Article XII in respect of any Senior Indebtedness at any time held by it to the same extent as
any other holder of Senior Indebtedness, and nothing in this Indenture shall be construed to deprive the Trustee of any of its
rights as such Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"><BR>
Section 12.3 <U>Subordination Not to Prevent Events of Default</U>. The failure to make a payment on account of principal of, premium
(if any) or interest on the Securities by reason of any subordination provision for the benefit of holders of Senior Indebtedness
shall not be construed as preventing the occurrence of a Default or an Event of Default under Section 6.1 or in any way prevent
the Holders of the Securities from exercising any right hereunder other than the right to receive payment on the Securities.<BR>
<BR>
Section 12.4 <U>No Fiduciary Duty of Trustee to Holders of Senior Indebtedness</U>. The Trustee shall not be deemed to owe any
fiduciary duty to the holders of Senior Indebtedness, and shall not be liable to any such holders (other than for its willful misconduct
or negligence) if it shall in good faith mistakenly pay over or distribute to the Holders of the Securities or the Company or any
other Person, cash, property or securities to which any holders of Senior Debt shall be entitled by virtue of this Article XII
or otherwise. Nothing in this Section 12.4 shall affect the obligation of any other such Person to hold such payment for the benefit
of, and to pay such payment over to, the holders of Senior Indebtedness or their representative.<BR>
<BR>
Section 12.5 <U>Article Applicable to Paying Agent</U>. In case at any time any Paying Agent other than the Trustee shall have
been appointed by the Company and be then acting hereunder, the term &ldquo; Trustee &ldquo; as used in this Article XII shall
in such case (unless the context shall otherwise require) be construed as extending to and including such Paying Agent within its
meaning as fully for all intents and purposes as if such Paying Agent were named in this Article XII in addition to or in place
of the Trustee; provided, however, that this Section 12.5 shall not apply to the Company or any Affiliate of the Company if it
or such Affiliate acts as Paying Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-align: center">[Remainder of Page Intentionally Blank]</P>

<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">IN WITNESS WHEREOF, the parties hereto have caused this Indenture
to be duly executed as of the day and year first above written.</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 60%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 36%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">Customers Bancorp, Inc.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Carla A. Leibold</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Name: Carla A. Leibold</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Title: Executive Vice President and Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 60%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 36%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">Wilmington Trust, National Association, as Trustee</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt">Michael H. Wass</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Name: Michael H. Wass</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Title: Vice President</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



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

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<DOCUMENT>
<TYPE>EX-4.2
<SEQUENCE>4
<FILENAME>ex4-2.htm
<DESCRIPTION>EXHIBIT 4.2
<TEXT>
<HTML>
<HEAD>
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</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 4.2</B></P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Dated as of December 9, 2019</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Dated as of December 9, 2019</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">5.375% SUBORDINATED NOTES DUE 2034</P>


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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 19%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 70%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Page</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE I</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 1.01</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Definitions</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 1.02</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Conflicts with Base Indenture</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE II</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">CREATION OF THE NOTES</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.01</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Designation of Series</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.02</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Form and Denomination of Notes</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.03</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Initial Limit on Amount of Series</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.04</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">No Sinking Fund or Repurchase at the Option of Holders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.05</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Optional Redemption</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.06</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Notes Not Convertible or Exchangeable</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.07</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Issuance of Notes; Selection of Depository</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.08</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Issuance of Additional Notes</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.09</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Dollars</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.10</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Determination of Principal and Interest</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.11</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Defeasance Applicable to Notes</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 2.12</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Paying Agent and Security Registrar</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE III</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">SUBORDINATION OF THE NOTES</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.01</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Ranking; Notes Subordinate to Senior Indebtedness</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.02</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">No Payment When Senior Indebtedness in Default</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.03</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee and Holders of Notes May Rely on Certificate of Liquidating Agent; Trustee May Require Further Evidence of Ownership of Senior Indebtedness; Trustee Not Fiduciary of Holders of Senior Indebtedness</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">6</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.04</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Payment Permitted if No Default</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.05</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee Not Charged with Knowledge of Prohibition</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.06</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee to Effectuate Subordination</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.07</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Rights of Trustee as Holder of Senior Indebtedness</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.08</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Article Applicable to Paying Agents</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.09</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Subordination Rights Not Impaired by Acts or Omissions of the Company or Holders of Senior Indebtedness</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 3.10</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Modification of Subordination Provisions</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE IV</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">REMEDIES</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.01</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Events of Default</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.02</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Acceleration of Maturity; Rescission and Annulment</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.03</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Collection of Indebtedness and Suits for Enforcement by Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.04</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee May File Proofs of Claim</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.05</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee May Enforce Claims Without Possession of Notes</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.06</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Application of Money Collected</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.07</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Limitation on Suits</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.08</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Unconditional Right of Holders to Receive Principal, Premium, and Interest</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.09</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Restoration of Rights and Remedies</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.10</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Rights and Remedies Cumulative</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.11</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Delay or Omission Not Waiver</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.12</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Control by Holders</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.13</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Waiver of Past Defaults</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.14</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Undertaking for Costs</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 4.15</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Indenture and Notes Solely Corporate Obligations</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 19%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">ARTICLE V</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 71%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">MISCELLANEOUS</FONT></TD>
    <TD STYLE="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.01</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Application of First Supplemental Indenture</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.02</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Benefits of this First Supplemental Indenture</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.03</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Modification of the Base Indenture</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.04</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Reports by the Company</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.05</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Effective Date</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.06</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.07</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Successors and Assigns</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.08</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Table of Contents, Headings, Etc.</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.09</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Severability Clause</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.10</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Satisfaction and Discharge</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.11</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Ratification of the Base Indenture</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.12</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Governing Law; Waiver of Trial by Jury</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.13</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Trustee Disclaimer</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.14</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Force Majeure</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Section 5.15</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">U.S.A. Patriot Act</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
</TABLE>
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    <TD STYLE="width: 14%"><FONT STYLE="font-size: 10pt">Exhibit A</FONT></TD>
    <TD STYLE="width: 86%"><FONT STYLE="font-size: 10pt">Form of Note</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>FIRST SUPPLEMENTAL INDENTURE </B>(this &ldquo;<U>First
Supplemental Indenture</U>&rdquo;), dated as of December 9, 2019, by and between Customers Bancorp, Inc., a Pennsylvania corporation
(the &ldquo;<U>Company</U>&rdquo;), and Wilmington Trust, National Association, a national banking association organized under
the laws of the United States, as trustee (&ldquo;<U>Trustee</U>&rdquo;).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">WHEREAS, the Company and the Trustee have entered
into the Indenture, dated as of December 9, 2019 (as amended, modified or supplemented from time to time in accordance therewith,
other than with respect to a particular series of debt securities, the &ldquo;<U>Base Indenture</U>&rdquo; and, as amended, modified
and supplemented by this First Supplemental Indenture, the &ldquo;<U>Indenture</U>&rdquo;), providing for the issuance by the Company
from time to time of its subordinated debt securities;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">WHEREAS, the Company desires to provide for
the establishment of a new series of Securities pursuant to Sections 2.1 and 2.2 of the Base Indenture, and has duly authorized
the creation and issuance of such series and the execution and delivery of this First Supplemental Indenture to modify the Base
Indenture and provide certain additional provisions as hereinafter described;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">WHEREAS, the Company and the Trustee deem it
advisable to enter into this First Supplemental Indenture for the purposes of establishing the terms of such new series of Securities
and providing for the rights, obligations and duties of the Trustee with respect to such series of Securities;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">WHEREAS, the execution and delivery of this
First Supplemental Indenture has been authorized by a resolution of the Board of Directors of the Company; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">WHEREAS, all conditions and requirements of
the Base Indenture necessary to make this First Supplemental Indenture a valid, binding and legal instrument in accordance with
its terms have been performed and fulfilled by the parties hereto and the execution and delivery thereof have been in all respects
duly authorized by the parties hereto;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">NOW, THEREFORE, THIS FIRST SUPPLEMENTAL INDENTURE
WITNESSETH:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">For and in consideration of the premises and
the purchase of the Notes by the Holders thereof, the Company and the Trustee covenant and agree, for the equal and proportionate
benefit of all Holders of the Notes, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>DEFINITIONS AND OTHER PROVISIONS OF GENERAL
APPLICATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 1.01&#9;Definitions.</B> Capitalized
terms used herein and not otherwise defined herein have the meanings assigned to them in the Base Indenture. The words &ldquo;herein&rdquo;,
&ldquo;hereof&rdquo; and &ldquo;hereby&rdquo; and other words of similar import used in this First Supplemental Indenture refer
to this First Supplemental Indenture as a whole and not to any particular section hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">As used herein, the following terms have the
specified meanings:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Additional Notes</U>&rdquo; has the
meaning set forth in Section 2.08 of this First Supplemental Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Administrative or Judicial Action</U>&rdquo;
has the meaning provided in the definition of &ldquo;Tax Event.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Base Indenture</U>&rdquo; has the
meaning specified in the recitals of this First Supplemental Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Company</U>&rdquo; has the meaning
specified in the preamble of this First Supplemental Indenture until a successor corporation shall have become such pursuant to
the applicable provisions of the Base Indenture, and thereafter &ldquo;Company&rdquo; shall mean such successor corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Federal Reserve</U>&rdquo; means the
Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>First Supplemental Indenture</U>&rdquo;
has the meaning specified in the preamble of this First Supplemental Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Indenture</U>&rdquo; has the meaning
specified in the recitals of this First Supplemental Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Notes</U>&rdquo; has the meaning set
forth in Section 2.01 of this First Supplemental Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="background-color: white">&ldquo;</FONT><U>Person</U><FONT STYLE="background-color: white">&rdquo;
means any individual, corporation, partnership, joint venture, association, limited liability company, joint-stock company, trust,
unincorporated organization or government or any agency or political subdivision thereof.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Ranking junior to the Notes</U>&rdquo;
shall mean any obligation of the Company which (a) ranks junior to and not equally with or prior to the Notes (or any other obligations
of the Company ranking on a parity with the Notes) in right of payment upon the happening of any event of the kind specified in
the first sentence of the second paragraph in Section 3.01 or (b) is specifically designated as ranking junior to the Notes by
express provision in the instrument creating or evidencing such obligation. The securing of any obligations of the Company, otherwise
ranking junior to the Notes, shall be deemed to prevent such obligations from constituting obligations ranking junior to the Notes.
For the avoidance of doubt, any junior subordinated debt securities issued or assumed by the Company shall be deemed securities
ranking junior to the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Ranking on a parity with the Notes</U>&rdquo;
shall mean any obligation of the Company which (a) ranks equally with and not prior to the Notes in right of payment upon the happening
of any event of the kind specified in the first sentence of the second paragraph of Section 3.01 or (b) is specifically designated
as ranking on a parity with the Notes by express provision in the instrument creating or evidencing such obligation. The securing
of any obligations of the Company, otherwise ranking on a parity with the Notes, shall not be deemed to prevent such obligations
from constituting obligations ranking on a parity with the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Tax Event</U>&rdquo; means the receipt
by the Company of an opinion of independent tax counsel to the effect that as a result of (a) an amendment to or change (including
any announced prospective amendment or change) in any law or treaty, or any regulation thereunder, of the United States or any
of its political subdivisions or taxing authorities; (b) a judicial decision, administrative action, official administrative pronouncement,
ruling, regulatory procedure, regulation, notice or announcement, including any notice or announcement of intent to adopt or promulgate
any ruling, regulatory procedure or regulation (any of the foregoing, an &ldquo;<U>Administrative or Judicial Action</U>&rdquo;);
(c) an amendment to or change in any official position with respect to, or any interpretation of, an Administrative or Judicial
Action or a law or regulation of the United States that differs from the previously generally accepted position or interpretation,
or (d) a threatened challenge asserted in writing in connection with an audit of the Company&rsquo;s federal income tax returns
or positions or a similar audit of any of the Company&rsquo;s subsidiaries or a publicly known threatened challenge asserted in
writing against any other taxpayer that has raised capital through the issuance of securities that are substantially similar to
the Notes, in each case, which change or amendment or challenge becomes effective or which pronouncement, decision or challenge
is announced on or after the original issue date of the Notes, there is more than an insubstantial risk that interest payable by
the Company on the Notes is not, or, within 90 calendar days of the date of such opinion, will not be, deductible by the Company,
in whole or in part, for United States federal income tax purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Tier 2 Capital Event</U>&rdquo; means
the Company&rsquo;s reasonable determination that, as a result of (a) any amendment to, or change in, the laws, rules, regulations,
policies or guidelines of the United States (including, for the avoidance of doubt, any agency or instrumentality of the United
States, including the Federal Reserve and other federal bank regulatory agencies) or any political subdivision of or in the United
States that is enacted or becomes effective after the initial issuance of the Notes, (b) any proposed change in those laws, rules,
regulations, policies or guidelines that is announced or becomes effective after the initial issuance of the Notes, or (c) any
official administrative decision or judicial decision or administrative action or other official pronouncement interpreting or
applying those laws, rules, regulations, policies or guidelines or policies with respect thereto that is announced after the original
issue date of the Notes, there is more than an insubstantial risk that the Company will not be entitled to treat the Notes then
outstanding as &ldquo;Tier 2 Capital&rdquo; (or its equivalent) for purposes of the capital adequacy rules or regulations of the
Federal Reserve (or, as and if applicable, the capital adequacy rules or regulations of any successor appropriate federal banking
agency) as then in effect and applicable, for so long as any Notes are outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;<U>Trustee</U>&rdquo; means the party
named as such in the preamble to this First Supplemental Indenture until a successor replaces such party in accordance with the
applicable provisions of the Indenture and thereafter &ldquo;Trustee&rdquo; shall mean or include each Person who is then a Trustee
hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 1.02&#9;Conflicts with Base Indenture.</B>
In the event that any provision of this First Supplemental Indenture limits, qualifies or conflicts with a provision of the Base
Indenture, such provision of this First Supplemental Indenture shall control.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.01&#9;Designation of Series.</B>
Pursuant to the terms hereof and Sections 2.1 and 2.2 of the Base Indenture, the Company hereby creates a series of its subordinated
debt securities designated as the &ldquo;5.375% Subordinated Notes Due 2034&rdquo; (the &ldquo;<U>Notes</U>&rdquo;), which Notes
shall be deemed &ldquo;Securities&rdquo; for all purposes under the Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.02&#9;Form and Denomination of
Notes.</B> The definitive form of the Notes, which shall be issued in global form, shall be substantially in the form of <U>Exhibit
A</U> hereto, which is incorporated herein and expressly made a part hereof. The Notes shall bear interest and have such other
terms as are stated in the form of definitive Notes and in the Indenture. The Stated Maturity of the Notes shall be December 30,
2034, unless redeemed on any date fixed for redemption (the &ldquo;<U>Redemption Date</U>&rdquo;) prior to the Stated Maturity
in accordance with the terms of the Notes and the Indenture. The Notes shall be issuable only in registered form without coupons
and only in minimum denominations of $25 and any multiple of $25 in excess thereof or in units, each representing $25.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.03&#9;Initial Limit on Amount of
Series.</B> The aggregate principal amount of Notes that initially may be authenticated and delivered under this First Supplemental
Indenture shall be limited to $74,750,000 (2,990,000 units of $25 each). The Notes may, upon the execution and delivery of this
First Supplemental Indenture or from time to time thereafter, be executed by the Company and delivered to the Trustee for authentication,
and the Trustee shall thereupon authenticate and deliver said Notes upon the delivery of a Company Order. Following the initial
issuance of the Notes, the aggregate principal amount of Notes may be increased as provided in Section 2.08.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.04&#9;No Sinking Fund or Repurchase
at the Option of Holders.</B> No sinking fund will be provided with respect to the Notes. The Company will not be obligated to
redeem the Notes at the option of the Holders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.05&#9;Optional Redemption.</B>
The Notes shall be redeemable, in each case, in whole or in part from time to time, at the option of the Company prior to the Maturity
Date beginning with the interest payment date on December 30, 2029, but not prior thereto (except upon the occurrence of certain
events specified below), and on any interest payment date thereafter subject to obtaining the prior approval of the Federal Reserve
to the extent such approval is then required under the rules of the Federal Reserve. The Notes may not otherwise be redeemed prior
to the Maturity Date, except that the Company may, at its option, redeem the Notes before the Maturity Date in whole, but not in
part, subject to obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the rules
of the Federal Reserve, upon the occurrence of a Tier 2 Capital Event or a Tax Event, or if the Company is required to register
as an investment company pursuant to the Investment Company Act of 1940, as amended (15 U.S.C. 80a-1 et seq.). Any such redemption
will be at a redemption price equal to 100% of the principal amount of the Notes to be redeemed, plus accrued and unpaid interest
to, but excluding, the Redemption Date fixed by the Company. To the extent not inconsistent with the provisions of this Section
2.05, the provisions of Article III of the Base Indenture shall apply to any redemption of the Notes pursuant to this Section 2.05.
Any partial redemption will be made in accordance with DTC&rsquo;s applicable procedures. If any Note is to be redeemed in part
only, the notice of redemption relating to such Note shall state that it is a partial redemption and the portion of the principal
amount thereof to be redeemed, and (x) a replacement Note in principal amount equal to the unredeemed portion thereof will be issued
in the name of the Holder thereof upon cancellation of the original Note, or (y) in the case of a Note in global form, an appropriate
notation made to the &ldquo;Schedule of Increases or Decreases in Global Note&rdquo; attached thereto. If the Company redeems only
a portion of the Notes on any Redemption Date, the Company may subsequently redeem additional Notes in accordance with this Section
2.05. The Notes are not subject to redemption or prepayment at the option of the Holders. A notice of redemption may be conditioned
on one or more conditions precedent, and the redemption date may be delayed until such time as any or all of such conditions have
been satisfied or revoked if the Company determines such conditions will not be satisfied. In the event that any such conditions
precedent have not been satisfied, the Company shall provide written notice to the Trustee and each Holder prior to the close of
business of the Business Day prior to the Redemption Date in the same manner in which the notice of redemption was given. Upon
receipt of such notice, the notice of redemption shall be rescinded or delayed as provided in such notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.06&#9;Notes Not Convertible or
Exchangeable.</B> The Notes will not be convertible into or exchangeable for common stock or other securities or property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.07&#9;Issuance of Notes; Selection
of Depository.</B> The Notes shall be issued as Global Securities in permanent global form, without coupons. The initial Depository
for the Notes shall be The Depository Trust Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.08&#9;Issuance of Additional Notes.</B>
From time to time subsequent to the date hereof, without notice to or the consent of the Holders of the Notes but in compliance
with the terms of the Indenture, the Company may create and issue additional Notes (the &ldquo;<U>Additional Notes</U>&rdquo;)
under the terms of the Indenture and this First Supplemental Indenture (and without need to execute any additional supplemental
indenture); provided, that no Additional Notes shall be issued unless such Additional Notes will be fungible for U.S. federal income
tax and securities law purposes with Notes originally issued pursuant to this First Supplemental Indenture (&ldquo;<U>Outstanding
Notes</U>&rdquo;). The Additional Notes shall be issued as part of the existing series of Notes issued pursuant to this First Supplemental
Indenture and shall have terms identical in all material respects (except for the issue date, issue price, initial interest accrual
date and the first interest payment date) to any Outstanding Notes and shall be treated together with any Outstanding Notes as
a single series of Notes for all purposes under the Indenture. Any Additional Notes issued hereunder shall rank equally and ratably
with the Notes originally issued pursuant to this First Supplemental Indenture, shall have the same CUSIP number and shall trade
interchangeably with such Notes and shall otherwise constitute Notes for all other purposes hereof. Any Additional Notes may be
issued pursuant to authorization provided by one or more Board Resolutions. No Additional Notes shall be issued at any time that
there is an Event of Default under the Indenture with respect to the Notes that has occurred and is continuing, or an event that,
with notice or the lapse of time, or both, would become an Event of Default.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.09&#9;Dollars.</B> The principal
of and interest on the Notes shall be payable in United States dollars.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.10&#9;Determination of Principal
and Interest.</B> The amount of payments of principal and interest on the Notes shall not be determined with reference to an index
or formula, but rather shall be determined as set forth in the Note.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.11&#9;Defeasance Applicable to
Notes.</B> Pursuant to Sections 2.2.23 and 8.3 of the Base Indenture, provision is hereby made for legal defeasance of the Notes
under Section 8.3 of the Base Indenture, upon the terms and conditions contained in Article VIII of the Base Indenture. Section
8.4 shall not be applicable to the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 2.12&#9;Paying Agent and Security
Registrar.</B> The Company appoints the Trustee as the Registrar and Paying Agent for the Notes, and the Trustee hereby accepts
such appointment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.01&#9;Ranking; Notes Subordinate
to Senior Indebtedness.</B> The Notes shall rank junior to and shall be subordinated to all Senior Indebtedness of the Company,
whether existing as of the date of this First Supplemental Indenture, or hereafter issued or incurred, including all indebtedness
relating to money owed to general creditors and trade creditors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Company covenants and agrees that anything
in this First Supplemental Indenture, Base Indenture or the Securities of any series to the contrary notwithstanding, the indebtedness
evidenced by the Notes is subordinate and junior in right of payment to all Senior Indebtedness to the extent provided in this
First Supplemental Indenture, and each Holder of Notes, by such Holder&rsquo;s acceptance of such Notes, likewise covenants and
agrees to the subordination provided in this First Supplemental Indenture and shall be bound by the provisions of this First Supplemental
Indenture. Senior Indebtedness shall continue to be Senior Indebtedness and entitled to the benefits of these subordination provisions
irrespective of any amendment, modification, or waiver of any term of the Senior Indebtedness or extension or renewal of the Senior
Indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In the event of</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(a)&#9;any insolvency, bankruptcy, receivership,
liquidation, reorganization, readjustment, composition, or other similar proceeding relating to the Company or its property,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(b)&#9;any proceeding for the liquidation,
dissolution, or other winding up of the Company, voluntary or involuntary, whether or not involving insolvency or bankruptcy proceedings,
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(c)&#9;any assignment by the Company for
the benefit of creditors,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">all Senior Indebtedness (including any interest
on such Senior Indebtedness accruing after the commencement of any such proceedings) shall first be paid in full before any payment
or distribution, whether in cash, securities, or other property, shall be made to any Holder of any of the Notes on account of
such Notes. Any payment or distribution, whether in cash, securities, or other property (other than securities of the Company or
any other corporation provided for by a plan of reorganization or readjustment the payment of which is subordinate, at least to
the extent provided in these subordination provisions with respect to the indebtedness evidenced by the Notes, to the payment of
all Senior Indebtedness at the time outstanding and to any securities issued in respect of such Senior Indebtedness under any such
plan of reorganization or readjustment), which would otherwise (but for these subordination provisions) be payable or deliverable
in respect of the Notes shall be paid or delivered directly to the holders of Senior Indebtedness in accordance with the priorities
then existing among such holders until all Senior Indebtedness (including any interest on such Senior Indebtedness accruing after
the commencement of any such proceedings) shall have been paid in full. In the event of any such proceeding, after payment in full
of all sums owing with respect to Senior Indebtedness, the Holders of the Notes, together with the holders of any obligations of
the Company ranking on a parity with the Notes, shall be entitled to be paid from the remaining assets of the Company the amounts
at the time due and owing on account of unpaid principal of (and premium, if any) and interest on the Notes and such other obligations
before any payment or other distribution, whether in cash, property, or otherwise, shall be made on account of any capital stock
or any obligations of the Company ranking junior to the Notes and such other obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In the event that, notwithstanding the foregoing,
any payment or distribution of any character or any security, whether in cash, securities, or other property (other than securities
of the Company or any other corporation provided for by a plan of reorganization or readjustment the payment of which is subordinate,
at least to the extent provided in these subordination provisions with respect to the indebtedness evidenced by the Notes, to the
payment of all Senior Indebtedness at the time outstanding and to any securities issued in respect of such Senior Indebtedness
under any such plan of reorganization or readjustment), shall be received by the Trustee or any Holder in contravention of any
of the terms of this First Supplemental Indenture or Base Indenture, such payment or distribution or security shall be received
in trust for the benefit of, and shall be paid over or delivered and transferred to, the holders of the Senior Indebtedness at
the time outstanding in accordance with the priorities then existing among such holders for applications to the payment of all
Senior Indebtedness remaining unpaid, to the extent necessary to pay all such Senior Indebtedness in full. In the event of the
failure of the Trustee or any Holder to endorse or assign any such payment, distribution, or security, each holder of Senior Indebtedness
is irrevocably authorized to endorse or assign the same.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">No present or future holder of any Senior Indebtedness
shall be prejudiced in the right to enforce subordination of the indebtedness evidenced by the Notes by any act or failure to act
on the part of the Company. Nothing contained in this First Supplemental Indenture or Base Indenture shall impair, as between the
Company and the Holders of Notes, the obligation of the Company to pay to such Holders the principal of (and premium, if any) and
interest on such Notes or prevent the Trustee or the Holder from exercising all rights, powers and remedies otherwise permitted
by applicable law or under this First Supplemental Indenture or Base Indenture upon a default or Event of Default, all subject
to the rights of the holders of the Senior Indebtedness to receive cash, securities, or other property otherwise payable or deliverable
to the Holders.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Senior Indebtedness shall not be deemed to have
been paid in full unless the holders shall have received cash, securities, or other property equal to the amount of such Senior
Indebtedness then outstanding. Upon the payment in full of all Senior Indebtedness, the Holders of Notes shall be subrogated to
all rights of any holders of Senior Indebtedness to receive any further payments or distributions applicable to the Senior Indebtedness
until the indebtedness evidenced by the Notes shall have been paid in full, and such payments or distributions received by such
Holders, by reason of such subrogation, of cash, securities, or other property which otherwise would be paid or distributed to
the holders of Senior Indebtedness shall, as between the Company and its creditors other than the holders of Senior Indebtedness,
on the one hand, and such Holders, on the other hand, be deemed to be a payment by the Company on account of Senior Indebtedness,
and not on account of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Trustee and Holders will take such action
(including, without limitation, the delivery of this First Supplemental Indenture and Base Indenture to an agent for the holders
of Senior Indebtedness or consent to the filing of a financing statement with respect to this First Supplemental Indenture or Base
Indenture) as may, in the opinion of counsel designated by the holders of a majority in principal amount of the Senior Indebtedness
at the time outstanding, be necessary or appropriate to assure the effectiveness of the subordination effected by these provisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The provisions of this Section 3.01 shall not
impair any rights, interests, remedies, or powers of any secured creditor of the Company in respect of any security interest the
creation of which is not prohibited by the provisions of this First Supplemental Indenture or Base Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.02&#9;No Payment When Senior Indebtedness
in Default.</B> No payment (including any payment which may be payable by reason of the payment of any other indebtedness of the
Company being subordinated to the payment of the Notes) shall be made by the Company on account of the principal of or any premium
or interest on the Notes or on account of the purchase or other acquisition of Notes:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(1)&#9;in the event and during the continuation
of any default in the payment of the principal of or any premium or interest on any Senior Indebtedness beyond any applicable grace
period with respect to such Senior Indebtedness, or in the event that any event of default with respect to any Indebtedness shall
have occurred and be continuing permitting the holders of such Senior Indebtedness (or the trustee on behalf of the holders of
such Senior Indebtedness) to declare such Senior Indebtedness due and payable prior to the date on which it would otherwise have
become due and payable, unless and until such event of default shall have been cured or waived or shall have ceased to exist and
such acceleration shall have been rescinded or annulled, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(2)&#9;in the event any judicial proceeding
shall be pending with respect to any such default in payment or event of default,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><U>provided</U>, <U>however</U>, that nothing
in this Section 3.02 shall prevent the satisfaction of any sinking fund payment in accordance with Article XI of the Base Indenture
by delivering and crediting, pursuant to Section 11.2 of the Base Indenture, Notes which have been acquired (upon redemption or
otherwise) prior to such default in payment or event of default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In the event that, notwithstanding the foregoing,
the Company shall make any payment to the Trustee or the Holder of any Note prohibited by the foregoing provisions of this Section
3.02, and if such fact shall, at or prior to the time of such payment, have been made known to a Responsible Officer of the Trustee
or, as the case may be, such Holder, then and in such event such payment shall be paid over and delivered to the Company. The provisions
of this Section 3.02 shall not apply to any payment with respect to which Section 3.01 would be applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.03&#9;Trustee and Holders of Notes
May Rely on Certificate of Liquidating Agent; Trustee May Require Further Evidence as to Ownership of Senior Indebtedness; Trustee
Not Fiduciary to Holders of Senior Indebtedness.</B> Upon any payment or distribution of assets of the Company referred to in this
Article III, the Trustee and the Holders of Notes shall be entitled to rely upon an order or decree made by any court of competent
jurisdiction in which such dissolution or winding up or liquidation or reorganization or arrangement proceedings are pending or
upon a certificate of the trustee in bankruptcy, receiver, assignee for the benefit of creditors, or other Person making such payment
or distribution, delivered to the Trustee or to the Holders of Notes, for the purpose of ascertaining the persons entitled to participate
in such distribution, the holders of the Senior Indebtedness and other indebtedness of the Company, the amount of or payable on
and the amount or amounts paid or distributed on such Senior Indebtedness or other indebtedness, and all other facts pertinent
to such Senior Indebtedness or other indebtedness or to this Article III. In the absence of any such bankruptcy trustee, receiver,
assignee, or other Person, the Trustee shall be entitled to rely upon a written notice by a Person representing himself or herself
to be a holder of Senior Indebtedness (or a trustee or representative on behalf of such holder) as evidence that such Person is
a holder of such Senior Indebtedness (or is such a trustee or representative). In the event that the Trustee determines, in good
faith, that further evidence is required with respect to the right of any Person as a holder of Senior Indebtedness to participate
in any payments or distributions pursuant to this Article III, the Trustee may request such person to furnish evidence to the reasonable
satisfaction of the Trustee as to the amount of Senior Indebtedness held by such Person, as to the extent to which such Person
is entitled to participate in such payment or distribution, and as to other facts pertinent to the rights of such Person under
this Article III, and if such evidence is not furnished, the Trustee may offer any payment to such Person pending judicial determination
as to the right of such Person to receive payment. The Trustee, however, shall not be deemed to owe any fiduciary duty to the holders
of Senior Indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.04</B>&#9;<B>&nbsp;Payment Permitted
If No Default</B>.&nbsp;Nothing contained in this Article&nbsp;III or elsewhere in the Base Indenture or this First Supplemental
Indenture, or in any of the Notes, shall prevent (a)&nbsp;the Company at any time, except during the pendency of any dissolution,
winding up, liquidation, or reorganization proceedings referred to in Section&nbsp;3.01 or under the conditions specified in Section&nbsp;3.02,
from making payments of the principal of (or premium, if any) or interest on the Notes or (b)&nbsp;the application by the Trustee
or any Paying Agent of any moneys deposited with it under the Base Indenture or this First Supplemental Indenture to payments of
the principal of or interest on the Notes, if, at the time of such deposit, the Trustee or such Paying Agent, as the case may be,
did not have the written notice provided for in Section&nbsp;3.05 of any event prohibiting the making of such deposit, or if, at
the time of such deposit (whether or not in trust) by the Company with the Trustee or any Paying Agent (other than the Company)
such payment would not have been prohibited by the provisions of this Article III, and the Trustee or any Paying Agent shall not
be affected by any notice to the contrary received by it on or after such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.05&#9;Trustee Not Charged with
Knowledge of Prohibition.</B>&nbsp;Anything in this Article III or elsewhere contained in this First Supplemental Indenture or
Base Indenture to the contrary notwithstanding, the Trustee shall not at any time be charged with knowledge of the existence of
any facts which would prohibit the making of any payment of money to or by the Trustee and shall be entitled conclusively to assume
that no such facts exist and that no event specified in Section 3.01 or Section 3.02 has happened, until a Responsible Offer of
the Trustee shall have received an Officers&rsquo; Certificate at least 3 Business Days prior to the date on which any payment
should be made, to that effect or notice in writing to that effect signed by or on behalf of the holder or holders, or their representatives,
of Senior Indebtedness who shall have been certified by the Company or otherwise established to the reasonable satisfaction of
the Trustee to be such holder or holders or representatives or from any trustee under any indenture pursuant to which such Senior
Indebtedness shall be outstanding. The Company shall give prompt written notice to the Trustee and to the Paying Agent of any facts
which would prohibit the payment of money to or by the Trustee or any Paying Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.06&#9;</B>&nbsp;<B>Trustee to Effectuate
Subordination</B>. Each Holder of Notes by such Holder&rsquo;s acceptance authorizes and directs the Trustee in such Holder&rsquo;s
behalf to take such action as may be necessary or appropriate to effectuate the subordination as between such Holder and holders
of Senior Indebtedness as provided in this Article III and appoints the Trustee its attorney-in-fact for any and all such purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.07&#9;</B>&nbsp;<B>Rights of Trustee
as Holder of Senior Indebtedness</B>.&nbsp;The Trustee shall be entitled to all the rights set forth in this Article&nbsp;III with
respect to any Senior Indebtedness which may at the time be held by it, to the same extent as any other holder of Senior Indebtedness;
provided that nothing in this Article&nbsp;III shall deprive the Trustee of any rights as such holder and provided further that
nothing in this Article&nbsp;III shall apply to claims of, or payments to, the Trustee under or pursuant to Section&nbsp;7.7 of
the Base Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.08&#9;</B>&nbsp;&nbsp;<B>Article
Applicable to Paying Agents</B>.&nbsp;In case at any time any Paying Agent other than the Trustee shall have been appointed by
the Company and be then acting under this First Supplemental Indenture and Base Indenture, the term &ldquo;Trustee&rdquo; as used
in this Article III shall in such case (unless the context shall otherwise require) be construed as extending to and including
such Paying Agent within its meaning as fully for all intents and purposes as if the Paying Agent were named in this Article III
in addition to or in place of the Trustee, provided, however, that Sections 3.05 and 3.07 shall not apply to the Company or any
Affiliate of the Company if the Company or such Affiliate acts as Paying Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.09&#9;Subordination Rights Not
Impaired by Acts or Omissions of the Company or Holders of Senior Indebtedness. </B>No right of any present or future holders of
any Senior Indebtedness to enforce subordination as provided in this First Supplemental Indenture or Base Indenture shall at any
time in any way be prejudiced or impaired by any act or failure to act on the part of the Company or by any act or failure to act,
in good faith, by any such holder, or by any noncompliance by the Company with the terms, provisions, and covenants of this First
Supplemental Indenture or Base Indenture, regardless of any knowledge which any such holder may have or be otherwise charged with.
The holders of Senior Indebtedness may, at any time or from time to time and in their absolute discretion, change the manner, place,
or terms of payment, change or extend the time of payment of, or renew or alter, any such Senior Indebtedness, or amend or supplement
any instrument pursuant to which any such Senior Indebtedness is issued or by which it may be secured, or release any security,
or exercise or refrain from exercising any other of their rights under the Senior Indebtedness including, without limitation, the
waiver of default, all without notice to or assent from the Holders of the Notes or the Trustee and without affecting the obligations
of the Company, the Trustee, or the Holders of the Notes under this Article III.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 3.10&#9;Modification of Subordination
Provisions. </B>Anything in Article&nbsp;IX of the Base Indenture or elsewhere contained in this First Supplemental Indenture to
the contrary notwithstanding, no modification or amendment and no supplemental indenture shall modify the subordination provisions
of this Article&nbsp;III in a manner that would adversely affect the holders of Senior Indebtedness.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Except as provided in Section 4.01(4) herein,
the provisions of Article VI of the Base Indenture shall not apply to the Notes in any respect, and except as so provided in Section
2.1(4), such Article VI of the Base Indenture shall be replaced in its entirety with the following provisions of this Article IV:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.01</B>&#9;<B>Events of Default.</B>
The term &ldquo;Event of Default&rdquo;, wherever used in this First Supplemental Indenture or Base Indenture with respect to the
Notes, means any one of the following events (whatever the reason for such Event of Default, whether it shall be voluntary or involuntary
or be effected by operation of law or pursuant to any judgment, decree, or order of any court or any order, rule, or regulation
of any administrative or governmental body):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(1)&#9;the entry of a decree or order for
relief in respect of the Company by a court having jurisdiction in the premises in an involuntary case under any applicable bankruptcy,
insolvency, or reorganization law, now or hereafter in effect of the United States of America or any political subdivision thereof,
and such decree or order shall have continued unstayed and in effect for a period of 60 consecutive days; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(2)&#9;the commencement by the Company of
a voluntary case under any applicable bankruptcy, insolvency, or reorganization law, now or hereafter in effect of the United States
of America or any political subdivision thereof, or the consent by the Company to the entry of a decree or order for relief in
an involuntary case under any such law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(3)&#9;in the event a receiver, conservator
or similar official is appointed for the Company&rsquo;s major subsidiary depository institution (which, for the avoidance of doubt,
as of the date hereof, is Customers Bank); or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(4)&#9;any other Event of Default as provided
in Section 6.1 of the Base Indenture with respect to the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.02</B>&#9;<B>Acceleration of Maturity;
Rescission and Annulment</B>. If an Event of Default specified in Sections 4.01(1), 4.01(2) or 4.01(3) with respect to Notes then
outstanding shall have occurred, then, in each and every such case, the principal amount of and accrued but unpaid interest, if
any, on all Notes then outstanding shall ipso facto become immediately due and payable without any declaration or other act on
the part of the Trustee or any Holders. In the event the payment of principal and interest with respect to the Notes has been accelerated
pursuant to this Section 4.02, such payment of principal and interest shall remain subordinated to the extent provided in Article
III notwithstanding that such amount shall have become immediately due and payable as herein provided.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">At any time after a declaration of acceleration
with respect to Notes has been made and before a judgment or decree for payment of the money due has been obtained by the Trustee
as provided below in this Article IV, the Holders of a majority in principal amount of the outstanding Notes by written notice
to the Company and the Trustee may waive all defaults with respect to all affected series, and may rescind and annul such declaration
and its consequences if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(1)&#9;the Company has paid or deposited
with the Trustee a sum sufficient to pay (A) all overdue interest on all Notes, (B) the principal of (and premium, if any, on)
any Notes which have become due otherwise than by such declaration of acceleration and any interest on such Notes at the rate or
rates prescribed in such Notes, (C) to the extent that payment of such interest is lawful, interest upon overdue interest at the
rate or rates prescribed in the Notes, and (D) all sums paid or advanced by the Trustee under this First Supplemental Indenture
or Base Indenture and the reasonable compensation, expenses, disbursements, and advances of the Trustee, its agents, and counsel;
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(2)&#9;all Events of Default with respect
to the Notes, other than the non-payment of the principal on Notes which has become due solely by such declaration of acceleration,
have been cured or waived as provided in Section 4.13.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">No such rescission shall affect any subsequent
default or impair any consequent right.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Upon receipt by the Trustee of any declaration
of acceleration, or rescission and annulment thereof, with respect to Notes all or part of which is represented by a Global Security,
a record date shall be established for determining Holders of outstanding Notes entitled to join in such declaration of acceleration,
or rescission and annulment, as the case may be, which record date shall be at the close of business on the day the Trustee receives
such declaration of acceleration, or rescission and annulment, as the case may be. The Holders on such record date, or their duly
designated proxies, and only such Persons, shall be entitled to join in such declaration of acceleration, or rescission and annulment,
as the case may be, whether or not such Holders remain Holders after such record date; provided, that unless such declaration of
acceleration, or rescission and annulment, as the case may be, shall have become effective by virtue of the requisite percentage
having been obtained prior to the day which is 90 days after such record date, such declaration of acceleration, or rescission
and annulment, as the case may be, shall automatically and without further action by any Holder be canceled and of no further effect.
Nothing in this paragraph shall prevent a Holder, or a proxy of a Holder, from giving, after expiration of such 90-day period,
a new declaration of acceleration, or rescission or annulment thereof, as the case may be, that is identical to a declaration of
acceleration, or rescission or annulment thereof, which has been canceled pursuant to the proviso to the preceding sentence, in
which event a new record date shall be established pursuant to the provisions of this Section 4.02.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.03</B>&#9;<B>Collection of Indebtedness
and Suits for Enforcement by Trustee</B>. The Company covenants that if:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(1)&#9;default is made in the payment of
any interest on any Note when such interest becomes due and payable and such default continues for a period of 30 days;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(2)&#9;default is made in the payment of
the principal of (or premium, if any, on) any Note at its Maturity;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(3)&#9;default is made in the making or
satisfaction of any sinking fund or analogous obligation when the same becomes due pursuant to the terms of any Note; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(4)&#9;default is made in the performance,
or breach, of any covenant or warranty of the Company in this First Supplemental Indenture or Base Indenture (other than a covenant
or warranty a default in whose performance or whose breach is elsewhere in this Section specifically dealt with), and such default
or breach continues for a period of 30 days after there has been given, by registered or certified mail, to the Company by the
Trustee or to the Company and the Trustee by the Holders of at least 25% in principal amount of the outstanding Notes a written
notice specifying such default or breach and requiring it to be remedied and stating that such notice is a &ldquo;Notice of Default&rdquo;
under this First Supplemental Indenture and Base Indenture; then the Company will, upon demand of the Trustee, pay to it, for the
benefit of the Holders of such Notes, the whole amount then due and payable on such Notes for principal and any premium and interest
and, to the extent that payment of such interest shall be legally enforceable, interest on any overdue principal and premium and
on any overdue interest, at the rate or rates prescribed in such Notes, and, in addition, such further amount as shall be sufficient
to cover the costs and expenses of collection, including the reasonable compensation, expenses, disbursements, and advances of
the Trustee, its agents, and counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If the Company fails to pay such amounts immediately
upon such demand, the Trustee, in its own name and as trustee of an express trust, may institute a judicial proceeding for the
collection of the sums so due and unpaid, may prosecute such proceeding to judgment or final decree, and may enforce the same against
the Company or any other obligor upon such Notes and collect the moneys adjudged or decreed to be payable in the manner provided
by law out of the property of the Company or any other obligor upon such Notes, wherever situated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If an Event of Default with respect to the Notes
occurs and is continuing, the Trustee may in its discretion proceed to protect and enforce its rights and the rights of Holders
of Notes by such appropriate judicial proceedings as the Trustee shall deem most effectual to protect and enforce any such rights,
whether for the specific enforcement of any covenant or agreement in this First Supplemental Indenture or Base Indenture or in
aid of the exercise of any power granted in this First Supplemental Indenture or Base Indenture, or to enforce any other proper
remedy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.04</B>&#9;<B>Trustee May File Proofs
of Claim</B>. In case of any judicial proceeding relative to the Company (or any other obligor upon the Notes), its property, or
its creditors, the Trustee shall be entitled and empowered, by intervention in such proceeding or otherwise, to take any and all
actions authorized under the Trust Indenture Act in order to have claims of the Holders and the Trustee allowed in any such proceeding.&nbsp;
In particular, the Trustee shall be authorized to collect and receive any moneys or other property payable or deliverable on any
such claims and to distribute the same; and any custodian, receiver, assignee, trustee, liquidator, sequestrator, or other similar
official in any such judicial proceeding is authorized by each Holder to make such payments to the Trustee and, in the event that
the Trustee shall consent to the making of such payments directly to the Holders, to pay to the Trustee any amount due it for the
reasonable compensation, expenses, disbursements, and advances of the Trustee, its agents and counsel, and any other amounts due
the Trustee under Section&nbsp;7.7 of the Base Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.05</B>&#9;<B>Trustee May Enforce
Claims Without Possession of Notes</B>. All rights of action and claims under this First Supplemental Indenture, Base Indenture
or the Notes may be prosecuted and enforced by the Trustee without the possession of any of the Notes or the production of such
Notes in any related proceeding, and any such proceeding instituted by the Trustee shall be brought in its own name as trustee
of an express trust, and any recovery of judgment shall, after provision for the payment of the reasonable compensation, expenses,
disbursements, and advances of the Trustee, its agents, and counsel, be for the ratable benefit of the Holders of the Notes in
respect of which such judgment has been recovered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.06</B>&#9;<B>Application of Money
Collected</B>. Any money collected by the Trustee pursuant to this Article IV shall be applied in the following order, at the date
or dates fixed by the Trustee and, in case of the distribution of such money on account of principal or any premium or interest,
upon presentation of the Notes and a notation on such Notes of the payment (if only partially paid) and upon surrender of such
Notes if fully paid:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;FIRST: &#9;To the payment of all amounts
due the Trustee under Section 7.7 of the Base Indenture; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;SECOND: To the payment of amounts then due
and unpaid to the holders of Senior Indebtedness, to the extent required by Article III; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;THIRD: To the payment of the amounts then
due and unpaid for principal of and any premium and interest on the Notes in respect of which or for the benefit of which such
money has been collected, ratably, without preference or priority of any kind, according to the amounts due and payable on such
Notes for principal and any premium and interest, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.07</B>&#9;<B>Limitation on Suits</B>.
No Holder of any Notes shall have any right to institute any proceeding, judicial or otherwise, with respect to this First Supplemental
Indenture or Base Indenture, or for the appointment of a receiver or trustee, or for any other remedy under this First Supplemental
Indenture or Base Indenture, unless:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(1)&#9;such Holder has previously given
written notice to the Trustee of a continuing Event of Default with respect to the Notes;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(2)&#9;the Holders of not less than 25%
in principal amount of the outstanding Notes shall have made written request to the Trustee to institute proceedings in respect
of such Event of Default in its own name as Trustee under this First Supplemental Indenture or Base Indenture, as applicable;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(3)&#9;such Holder or Holders have offered
to the Trustee indemnity acceptable to the Trustee against the costs, expenses, and liabilities to be incurred in compliance with
such request;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(4)&#9;the Trustee for 60 days after its
receipt of such notice, request, and offer of indemnity has failed to institute any such proceeding; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(5)&#9; no direction inconsistent with such
written request has been given to the Trustee during such 60-day period by the Holders of a majority in principal amount of the
outstanding Notes;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">it being understood and intended that no one
or more of such Holders shall have any right in any manner whatever by virtue of, or by availing of, any provision of this First
Supplemental Indenture or Base Indenture to affect, disturb, or prejudice the rights of any other of such Holders, or to obtain
or to seek to obtain priority or preference over any other of such Holders or to enforce any right under this First Supplemental
Indenture or Base Indenture, except in the manner provided in this First Supplemental Indenture and Base Indenture and for the
equal and ratable benefit of all of such Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.08</B>&#9;<B>Unconditional Right
of Holders to Receive Principal, Premium, and Interest</B>. Notwithstanding any other provision in this First Supplemental Indenture
or Base Indenture, the Holder of any Note shall have the right, which is absolute and unconditional, to receive payment of the
principal of and any premium and (subject to Section&nbsp;4.1 of the Base Indenture) any interest on such Note on the Stated Maturity
or Maturities expressed in such Note (or, in the case of redemption, on the Redemption Date), and to institute suit for the enforcement
of any such payment, subject to the terms of this First Supplemental Indenture and Base Indenture, and such rights shall not be
impaired without the consent of such Holder, subject, however, to the provisions of Article&nbsp;III of this First Supplemental
Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.09</B>&#9;<B>Restoration of Rights
and Remedies</B>. If the Trustee or any Holder has instituted any proceeding to enforce any right or remedy under this First Supplemental
Indenture or Base Indenture and such proceeding has been discontinued or abandoned for any reason, or has been determined adversely
to the Trustee or to such Holder, then and in every such case, subject to any determination in such proceeding, the Company, the
Trustee and the Holders shall be restored severally and respectively to their former positions under this First Supplemental Indenture
and Base Indenture and thereafter all rights and remedies of the Trustee and the Holders shall continue as though no such proceeding
had been instituted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.10</B>&#9;<B>Rights and Remedies
Cumulative</B>. Except as otherwise provided with respect to the replacement or payment of mutilated, destroyed, lost, or stolen
Notes in Section&nbsp;2.8 of the Base Indenture, no right or remedy conferred in this First Supplemental Indenture or Base Indenture
upon or reserved to the Trustee or to the Holders is intended to be exclusive of any other right or remedy, and every right and
remedy shall, to the extent permitted by law, be cumulative and in addition to every other right and remedy given under this First
Supplemental Indenture and Base Indenture or now or in the future existing at law or in equity or otherwise.&nbsp; The assertion
or employment of any right or remedy under this First Supplemental Indenture and Base Indenture, or otherwise, shall not prevent
the concurrent assertion or employment of any other appropriate right or remedy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.11&#9;Delay or Omission Not Waiver.
</B>No delay or omission of the Trustee or of any Holder of any Notes to exercise any right or remedy accruing upon any Event of
Default shall impair any such right or remedy or constitute a waiver of or acquiescence in any such Event of Default.&nbsp; Every
right and remedy given by this Article&nbsp;IV or by law to the Trustee or to the Holders may be exercised from time to time, and
as often as may be deemed expedient, by the Trustee or by the Holders, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.12&#9;Control by Holders. </B>The
Holders of a majority in principal amount of the outstanding Notes shall have the right to direct the time, method, and place of
conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred on the Trustee with
respect to the Notes, provided that</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(1)&#9;such direction shall not be in conflict
with any rule of law or with this First Supplemental Indenture or Base Indenture,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(2)&#9;the Trustee may take any other action
deemed proper by the Trustee which is not inconsistent with such direction,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(3)&#9;the Trustee shall have the right
to decline to follow any such direction if the Trustee in good faith shall, by a Responsible Officer or Officers of the Trustee,
determine that the proceeding so directed would involve the Trustee in personal liability, and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&#9;(4)&#9;such Holders shall have provided
indemnity or security satisfactory to the Trustee in connection with the action or inaction so directed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.13&#9;Waiver of Past Defaults.
</B>Subject to Section&nbsp;4.02, the Holders of not less than a majority in principal amount of the outstanding Notes may on behalf
of the Holders of Notes waive any past default under this First Supplemental Indenture and Base Indenture with respect to such
Notes and its consequences, except a default (1)&nbsp;in the payment of the principal of or any premium or interest on any Note,
or (2)&nbsp;in respect of a covenant or provision of this First Supplemental Indenture and Base Indenture which under Article&nbsp;IX
of the Base Indenture cannot be modified or amended without the consent of the Holder of each outstanding Note.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Upon any such waiver, such default shall cease
to exist, and any Event of Default arising from such default shall be deemed to have been cured, for every purpose of this First
Supplemental Indenture and Base Indenture; but no such waiver shall extend to any subsequent or other default or impair any consequent
right.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.14&#9;Undertaking for Costs. </B>All
parties to this First Supplemental Indenture and Base Indenture agree, and each Holder of any Notes by acceptance of such Notes
shall be deemed to have agreed, that any court may in its discretion require, in any suit for the enforcement of any right or remedy
under this First Supplemental Indenture or Base Indenture, or in any suit against the Trustee for any action taken, suffered, or
omitted by it as Trustee, the filing by any party litigant in such suit of an undertaking to pay the costs of such suit, and that
such court may in its discretion assess reasonable costs, including reasonable attorney&rsquo;s fees and expenses, against any
party litigant in such suit, having due regard to the merits and good faith of the claims or defenses made by such party litigant;
but the provisions of this Section&nbsp;4.14 shall not apply to any suit instituted by the Company, to any suit instituted by the
Trustee, to any suit instituted by any Holder, or group of Holders, holding in the aggregate more than 10% in principal amount
of the outstanding Notes, or to any suit instituted by any Holder for the enforcement of the payment of the principal of (or premium,
if any) or interest on any Notes on or after the Stated Maturity expressed in such Notes (or, in the case of redemption, on or
after the Redemption Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 4.15&#9; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indenture and Notes
Solely Corporate Obligations. </B>No recourse for the payment of the principal of or interest on any Note, or for any claim
based thereon or otherwise in respect thereof, shall be had against any shareholder, employee, agent, officer or director, as
such, past, present or future, of the Company or of any successor corporation; it being expressly understood that all such
liability is hereby expressly waived and released as a condition of, and as a consideration for, the execution of this First
Supplemental Indenture and Base Indenture and the issue of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.01</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Application
of First Supplemental Indenture.</B> Each and every term and condition contained in this First Supplemental Indenture that modifies,
amends or supplements the terms and conditions of the Base Indenture shall apply only to the Notes created hereby and not to any
other series of Securities established under the Base Indenture. Except as otherwise provided herein, the terms of this First Supplemental
Indenture may be modified as set forth in Article IX of the Base Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.02</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Benefits
of this First Supplemental Indenture.</B> Nothing in this First Supplemental Indenture or in the Notes, express or implied, shall
give to any Person, other than the parties hereto, any Registrar, any Paying Agent, any authenticating agent and their successors
under the Indenture, and the Holders of the Notes, any benefit or any legal or equitable right, remedy or claim under the Base
Indenture or this First Supplemental Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.03</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Modification
of the Base Indenture.</B> Except as expressly provided by this First Supplemental Indenture, the provisions of the Base Indenture
shall govern the terms and conditions of the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.04</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Reports
by the Company.</B> The Company shall be deemed to have complied with the first sentence of Section 4.2 of the Base Indenture if
(i) such reports are filed with the SEC via the EDGAR filing system, (ii) such reports are currently available and (iii) the Company
electronically delivers to the Trustee a link to the EDGAR filing each time the Company files such a report.&nbsp; Delivery of
such reports, information and documents to the Trustee is for informational purposes only and the Trustee&rsquo;s receipt of such
shall not constitute constructive notice of any information contained therein or determinable from information contained therein,
including the Company&rsquo;s compliance with any of its covenants hereunder (as to which the Trustee is entitled to rely exclusively
on an Officers&rsquo; Certificate).&nbsp; The Trustee shall have no duty to monitor whether any such filings on EDGAR have been
made.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.05</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Effective
Date.</B> This First Supplemental Indenture shall be effective as of the date first above written and upon the execution and delivery
hereof by each of the parties hereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.06</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Counterparts.</B>
This First Supplemental Indenture may be executed in any number of counterparts, each of which so executed shall be deemed to be
an original, but all such counterparts shall together constitute but one and the same instrument. The exchange of copies of this
First Supplemental Indenture and of signature pages by facsimile or electronic format (i.e., &ldquo;pdf&rdquo; or &ldquo;tif&rdquo;)
transmission shall constitute effective execution and delivery of this First Supplemental Indenture as to the parties hereto and
may be used in lieu of the original First Supplemental Indenture for all purposes. Signatures of the parties hereto transmitted
by facsimile or electronic format (i.e., &ldquo;pdf&rdquo; or &ldquo;tif&rdquo;) shall be deemed to be their original signatures
for all purposes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.07</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Successors
and Assigns.</B> All covenants and agreements in the Base Indenture, as supplemented and amended by this First Supplemental Indenture,
by the Company will bind its successors and assigns, whether so expressed or not.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.08</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Table
of Contents, Headings, Etc.</B> The Table of Contents and Article and Section headings in this First Supplemental Indenture have
been inserted for convenience of reference only, are not to be considered part of this First Supplemental Indenture and shall in
no way modify or restrict any of the terms or provisions hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.09</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Severability
Clause.</B> In case any provision in this First Supplemental Indenture or in the Notes shall be invalid, illegal or unenforceable,
the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.10</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Satisfaction
and Discharge.</B> The Company shall be deemed to have satisfied all of its obligations under this First Supplemental Indenture,
and this First Supplemental Indenture shall be deemed to terminate, upon compliance with, and subject to the terms of the provisions
of Section 8.1 of the Base Indenture with respect to the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.11</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Ratification
of the Base Indenture.</B> The Base Indenture as supplemented by this First Supplemental Indenture, is in all respects ratified
and confirmed, and this First Supplemental Indenture will be deemed part of the Indenture in the manner and to the extent herein
and therein provided.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.12</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Governing
Law.</B> This First Supplemental Indenture and the Notes shall be governed by, and construed in accordance with, the laws of the
State of New York without regard to conflict of law principles thereof other than Section 5-1401 of the New York General Obligations
Law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.13</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Trustee
Disclaimer.</B> The Trustee accepts the amendments of the Base Indenture effected by this First Supplemental Indenture, but on
the terms and conditions set forth in the Base Indenture, including the terms and provisions defining and limiting the liabilities
and responsibilities of the Trustee. Without limiting the generality of the foregoing, the Trustee shall not be responsible in
any manner whatsoever for or with respect to (i) any of the recitals contained herein, all of which recitals are made solely by
the Company, (ii) the proper authorization hereof by the Company by action or otherwise, (iii) the due execution hereof by the
Company, (iv) the consequences of any amendment herein provided for, (v) the validity or adequacy of this First Supplemental Indenture
or the Notes, (vi) the Company&rsquo;s use of the proceeds from the Notes or any money paid to the Company or upon the Company&rsquo;s
direction under any provision of the Indenture, (vii) the use or application of any money received by any Paying Agent other than
the Trustee, or (viii) any other document in connection with the sale of the Notes or pursuant to the Indenture other than its
certificate of authentication. This First Supplemental Indenture may be amended, modified, supplemented, superseded, rescinded,
or cancelled only in accordance with Article IX of the Base Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.14</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Force
Majeure.</B> In no event shall the Trustee be responsible or liable for any failure or delay in the performance of its obligations
hereunder arising out of or caused by, directly or indirectly, forces beyond its control, including without limitation, any act
or provision of any present or future law or regulation or governmental authority; acts of God; earthquakes; fires; floods; wars;
terrorism; civil or military disturbances; sabotage; epidemics; riots; interruptions, loss or malfunctions of utilities, computer
(hardware or software) or communications service; accidents; labor disputes; acts of civil or military authority or governmental
actions; or the unavailability of the Federal Reserve Bank wire or telex or other wire or communication facility.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Section 5.15</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>U.S.A.
Patriot Act.</B> The Company acknowledges that in accordance with Section 326 of the U.S.A. Patriot Act, the Trustee is required
to obtain, verify and record information that identifies each person or legal entity that establishes a relationship or opens an
account with the Trustee. The Company agrees that it&nbsp; will provide the Trustee with such information as it may request in
order for the Trustee to satisfy the requirements of the U.S.A. Patriot Act.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">IN WITNESS WHEREOF, the parties hereto have
caused this First Supplemental Indenture to be duly executed as of the day and year first written above.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">CUSTOMERS BANCORP, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 54%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 37%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">/s/ <U>Carla A. Leibold</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Name: Carla A. Leibold</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Title:&nbsp;&nbsp;Executive Vice President and Chief Financial Officer </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">WILMINGTON TRUST, NATIONAL ASSOCIATION,</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">as Trustee</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><U>/s/ Michael H. Wass</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Name: Michael H. Wass</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Title:&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

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

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

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

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

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

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

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

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

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>EXHIBIT A</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><B>Form of Note</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">THIS SECURITY IS A GLOBAL SECURITY WITHIN THE
MEANING OF THE INDENTURE REFERRED TO IN THIS SECURITY AND IS REGISTERED IN THE NAME OF A DEPOSITORY OR ITS NOMINEE. THIS SECURITY
MAY NOT BE TRANSFERRED TO, OR REGISTERED OR EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF, ANY PERSON OTHER THAN THE DEPOSITORY
OR ITS NOMINEE OR A SUCCESSOR OF SUCH DEPOSITORY OR A NOMINEE OF SUCH SUCCESSOR AND NO SUCH TRANSFER MAY BE REGISTERED, EXCEPTED
IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. EVERY SECURITY AUTHENTICATED AND DELIVERED UPON REGISTRATION OF TRANSFER
OF, OR IN EXCHANGE FOR OR IN LIEU OF, THIS SECURITY SHALL BE A GLOBAL SECURITY SUBJECT TO THE FOREGOING, EXCEPT IN SUCH LIMITED
CIRCUMSTANCES.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED
REPRESENTATIVE OF THE DEPOSITORY TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY NOTE ISSUED
IS REGISTERED IN THE NAME OF CEDE &amp; CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY
(AND ANY PAYMENT HEREON IS MADE TO CEDE &amp; CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED
OWNER HEREOF, CEDE &amp; CO., HAS AN INTEREST HEREIN.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">TRANSFERS OF THIS NOTE SHALL BE LIMITED TO
TRANSFERS IN WHOLE, BUT NOT IN PART, TO NOMINEES OF THE DEPOSITORY OR A SUCCESSOR THEREOF OR SUCH SUCCESSOR&rsquo;S NOMINEE AND
TRANSFERS OF PORTIONS OF THIS NOTE SHALL BE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE INDENTURE
REFERRED TO ON THE REVERSE HEREOF.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">THIS NOTE IS AN UNSECURED SUBORDINATED DEBT
OBLIGATION OF CUSTOMERS BANCORP, INC. THIS NOTE IS NOT A DEPOSIT OR SAVINGS ACCOUNT AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE
CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY OR INSTRUMENTALITY.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">ANY PURCHASER OR HOLDER OF THE NOTES OR ANY
INTEREST THEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS ACQUISITION OF THE NOTES THAT EITHER (1) IT IS NOT A PENSION, PROFIT-SHARING
OR OTHER EMPLOYEE BENEFIT PLAN (EACH, A &ldquo;<U>PLAN</U>&rdquo;) SUBJECT TO THE U.S. EMPLOYEE RETIREMENT INCOME SECURITY ACT
OF 1974, AS AMENDED (&ldquo;<U>ERISA</U>&rdquo;), AN ENTITY WHOSE UNDERLYING ASSETS INCLUDE &ldquo;PLAN ASSETS&rdquo; BY REASON
OF ANY PLAN&rsquo;S INVESTMENT IN THE ENTITY (A &ldquo;<U>PLAN ASSET ENTITY</U>&rdquo;) OR AN EMPLOYEE BENEFIT PLAN THAT IS A GOVERNMENTAL
PLAN (AS DEFINED IN SECTION 3(32) OF ERISA), A CHURCH PLAN (AS DEFINED IN SECTION 3(33) OF ERISA) OR A NON-U.S. PLAN (AS DESCRIBED
IN SECTION 4(B)(4) OF ERISA) (EACH, A &ldquo;<U>NON-ERISA ARRANGEMENT</U>&rdquo;) AND IS NOT PURCHASING THE NOTES ON BEHALF OF
OR WITH THE ASSETS OF ANY PLAN, PLAN ASSET ENTITY OR NON-ERISA ARRANGEMENT OR (2) THE ACQUISITION OF THE NOTES WILL NOT CONSTITUTE
A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE U.S. INTERNAL REVENUE CODE OF 1986, AS AMENDED,
OR A SIMILAR VIOLATION UNDER ANY OTHER APPLICABLE FEDERAL, STATE, LOCAL, NON-U.S. OR OTHER LAWS.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">CUSIP No. 23204G 803</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">CUSTOMERS BANCORP, INC.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">5.375% SUBORDINATED NOTES DUE 2034</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">No. ____&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$74,750,000</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">(2,990,000 units at $25.00 per unit)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">CUSTOMERS BANCORP, INC., a Pennsylvania corporation (the &ldquo;<U>Company</U>&rdquo;),
for value received, herein promises to pay to CEDE &amp; CO., or its registered assigns, the principal sum of SEVENTY FOUR MILLION
SEVEN HUNDRED FIFTY THOUSAND DOLLARS ($74,750,000), or such lesser amount as is indicated in the records of the Trustee and the
Depository, on December 30, 2034.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Interest Payment Dates: March 30, June 30, September 30 and December
30 of each year, commencing on March 30, 2020.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Record Dates: March 15, June 15, September 15 and December 15</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Reference is made to the further provisions of this Note contained
herein, which further provisions shall for all purposes have the same effect as if set forth at this place.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Unless the certificate of authentication hereon has been executed
by the Trustee referred to on the reverse hereof or an authenticating agent by the manual signature of one of their respective
authorized signatories, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">IN WITNESS WHEREOF, the Company has caused this instrument to be
duly executed.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">CUSTOMERS BANCORP, INC.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">By: _____________________________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">Name:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">Title:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><BR>
TRUSTEE&rsquo;S CERTIFICATE OF AUTHENTICATION</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><BR>
This is one of the Securities of the Series designated therein referred to in the within-mentioned Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Dated: December 9, 2019</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">WILMINGTON TRUST, NATIONAL ASSOCIATION,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1in">as Trustee</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ____________________________________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1in">Authorized Signatory</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 1in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">(Reverse of Note)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Customers Bancorp, Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">5.375% Subordinated Notes Due 2034</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Capitalized terms used herein shall have the meanings assigned to
them in the Indenture referred to below unless otherwise indicated.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest</U>.&nbsp;&nbsp;
Customers Bancorp, Inc. (the &ldquo;<U>Company</U>&rdquo;), a Pennsylvania corporation, promises to pay CEDE &amp; CO., or registered
assigns, the principal amount of SEVENTY FOUR MILLION SEVEN HUNDRED FIFTY THOUSAND DOLLARS ($74,750,000) on December 30, 2034 (&ldquo;<U>Stated
Maturity</U>&rdquo;) (unless redeemed on any date fixed for redemption (the &ldquo;<U>Redemption Date</U>&rdquo;) prior to the
Stated Maturity in accordance with the terms of this Note and the Indenture) (the Stated Maturity and the Redemption Date is hereinafter
referred to as the &ldquo;Maturity Date&rdquo; with respect to the principal repayable on such date) and to pay interest on the
outstanding principal amount of this Note from and including December 9, 2019, or from the most recent Interest Payment Date to
which interest has been paid or duly provided for, as applicable, quarterly in arrears on March 30, June 30, September 30 and December
30 of each year, commencing on March 30, 2020 (each, an &ldquo;<U>Interest Payment Date</U>&rdquo;), and, if applicable, on the
Maturity Date, at the rate of 5.375% per annum, until said principal amount is paid or duly provided for. If an Interest Payment
Date or the Maturity Date falls on a day that is not a Business Day, the required payment need not be made on such date, but may
be made on the next succeeding Business Day with the same force and effect as if made on such Interest Payment Date or the Maturity
Date, as the case may be, and no additional interest shall accrue on such payment as a result of payment on such next succeeding
Business Day. If there is no existing Default in the payment of interest, and if this Note is authenticated between a record date
referred to on the face hereof and the next succeeding Interest Payment Date, interest shall accrue from such next succeeding Interest
Payment Date. Interest will be computed on the basis of a 360-day year of twelve 30-day months and interest for any partial period
shall be computed on the basis of a 360-day year of twelve 30-day months and the number of days elapsed in any partial month.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Method of Payment.</U>
The Company will pay interest on the Notes to the Persons who are registered Holders of Notes at the close of business on March
15, June 15, September 15 and December 15 next preceding the applicable Interest Payment Date, even if such Notes are canceled
after such record date and on or before such Interest Payment Date, except as provided in Section 2.13 of the Indenture (as herein
defined) with respect to defaulted interest. For Notes held in definitive form, payments of interest may be made, at the Company&rsquo;s
option, by (i) mailing a check for such interest payable to or upon the written order of the Person entitled thereto, to the address
of such Person as it appears on the Security Register or (ii) transfer to an account maintained by the payee located inside the
United States. For Notes held in global form, payments shall be made through the Depository, or its nominee, as the registered
owner of the Notes. All such payments shall be in such coin or currency of the United States of America as at the time of payment
is legal tender for payment of public and private debts.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Paying Agent and
Registrar</U>. Initially, the Trustee under the Indenture, will act as Paying Agent and Registrar. The Company may change any Paying
Agent or Registrar without notice to any Holder. The Company or any of its Subsidiaries may act in any such capacity.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indenture</U>. This
Note is one of the 5.375% Subordinated Notes Due 2034 (the &ldquo;<U>Notes</U>&rdquo;) issued under the Indenture, dated as of
December 9, 2019 (as amended, modified or supplemented from time to time in accordance therewith, other than with respect to a
particular series of debt securities, the &ldquo;<U>Base Indenture</U>&rdquo; and, as amended, modified and supplemented by the
First Supplemental Indenture, dated as of December 9, 2019,&nbsp;the &ldquo;<U>Indenture</U>&rdquo;), by and between the Company
and the Trustee. This Note is a &ldquo;<U>Global Security</U>&rdquo; and the Notes are &ldquo;<U>Global Securities</U>&rdquo; under
the Indenture. The terms of the Notes include those stated in the Indenture and those made part of the Indenture by reference to
the TIA as in effect on the date on which the Indenture was qualified under the TIA. The Notes are subject to all such terms, and
Holders of the Notes are referred to the Indenture and the TIA for a statement of such terms. To the extent any provision of this
Note conflicts with the express provisions of the Indenture, the provisions of the Indenture shall govern and be controlling.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Optional Redemption</U>.
The Company may, at its option, redeem the Notes, in whole or in part, at a redemption price equal to 100% of the principal amount
of the Notes to be redeemed, plus accrued and unpaid interest to but excluding, the date of redemption (the &ldquo;<U>Redemption
Price</U>&rdquo;), on any Interest Payment Date on or after December 30, 2029. The Company may also, at its option, redeem the
Notes before the Maturity Date, in whole, but not in part, at any time, upon the occurrence of a Tax Event, a Tier 2 Capital Event
or if the Company is required to register as an investment company pursuant to the Investment Company Act of 1940, as amended.
Any such redemption will be at a redemption price equal to the Redemption Price to, but excluding, the Redemption Date fixed by
the Company. No redemption of the Notes by the Company prior to the Stated Maturity Date shall be made without the prior approval
of the Federal Reserve if such prior approval is or will be required at the scheduled Redemption Date. The provisions of Article
III of the Base Indenture and Section 2.05 of the First Supplemental Indenture shall apply to the redemption of any Notes by the
Company. A notice of redemption may be conditioned on one or more conditions precedent, and the redemption date may be delayed
until such time as any or all of such conditions have been satisfied or revoked if the Company determines such conditions will
not be satisfied.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice of Redemption</U>.
In the event of any redemption of the Notes, we will deliver or cause to be delivered a notice of redemption by first class mail,
or in the event the Notes are represented by global Notes, electronically in accordance with the procedures of The Depository Trust
Company (&ldquo;<U>DTC</U>&rdquo;) at least 30 days but not more than 60 days before the Redemption Date to each Holder whose Notes
are to be redeemed at its registered address; provided that redemption notices may be mailed more than 60 days prior to a Redemption
Date if the notice is issued in connection with a defeasance of the Notes or a satisfaction and discharge of the Indenture. Notes
in denominations larger than $25 may be redeemed in part but only in whole multiples of $25, unless all of the Notes held by a
Holder are to be redeemed. Notes to be redeemed shall, on the Redemption Date, become due and payable at the Redemption Price,
and from and after such date (unless the Company shall default in the payment of the Redemption Price) such Notes shall cease to
bear interest. The Company shall deposit with the Trustee or with the Paying Agent, one Business Day prior the Redemption Date,
money sufficient to pay the Redemption Price on all Notes to be redeemed on that date.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Denominations, Transfer,
Exchange</U>. The Notes are in registered form without coupons in minimum denominations of $25 and integral multiples of $25 in
excess thereof or in units, each representing $25.&nbsp; The transfer of Notes may be registered and Notes may be exchanged as
provided in the Indenture. The Registrar and the Trustee may require a Holder, among other things, to furnish appropriate endorsements
and transfer documents and the Company may require a Holder to pay any taxes and fees required by law or permitted by the Indenture.
The Company and the Registrar need not exchange or register the transfer of any Note selected for redemption, in whole or in part,
except for the unredeemed portion of any Note being redeemed in part. The Company need not exchange or register the transfer of
any Notes for a period of 15 days before a selection of Notes to be redeemed or during the period between a record date and the
next succeeding Interest Payment Date.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Persons Deemed Owners</U>.
The registered Holder of a Note may be treated as its owner for all purposes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment, Supplement
and Waiver</U>. The Base Indenture permits, with certain exceptions as therein provided, the Company and the Trustee to enter into
one or more supplemental indentures without notice to any Holder but with the written consent of the Holders of a majority in principal
amount of the Securities of each Series then outstanding (including consents obtained in connection with a tender offer or exchange
for the Securities) affected by such supplemental indenture. In addition, the Base Indenture permits the Company and the Trustee
to enter into one or more supplemental indentures without the consent of any Holder for certain specified purposes as therein provided,
including: to cure any ambiguity, <FONT STYLE="background-color: white">defect or inconsistency</FONT> contained in the Base Indenture,
in any supplemental indenture or in any Securities; to provide for uncertificated Securities in addition to or in place of certificated
Securities; <FONT STYLE="background-color: white">to make any change that would provide any additional rights or benefits to the
Holders of Securities or that does not adversely affect the legal rights under the Indenture of any such Holder</FONT>; to evidence
the succession of another Person to the Company pursuant to Article V of the Base Indenture and the assumption by such successor
of the Company&rsquo;s covenants, agreements and obligations in the Base Indenture and in the Securities; to modify the Base Indenture
in such a manner to comply with the requirements of the SEC or as to permit the qualification of the Base Indenture or any supplemental
indenture under the TIA; to add any guarantor or to provide any collateral to secure any Notes; to add additional obligors under
the Indenture and the Securities; to evidence and provide for the acceptance of appointment by a successor Trustee with respect
to the Securities and matters related thereto; or to establish the form or terms of Securities of any Series pursuant to Section
2.2 of the Base Indenture. The Indenture also contains provisions permitting the Holders of specified percentages in principal
amount of the Securities of each Series at the time outstanding, on behalf of the Holders of all Securities of such Series, to
waive compliance by the Company with certain provisions of the Indenture and certain past defaults under the Indenture and their
consequences. Any such consent or waiver by the Holder of this Security shall be conclusive and binding upon such Holder and upon
all future Holders of this Security and of any Security issued upon the registration of transfer hereof or in exchange herefor
or in lieu hereof, whether or not notation of such consent or waiver is made upon this Security.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Subordination</U>.
The indebtedness of the Company evidenced by the Note, including the principal thereof, premium, if any, and interest thereon,
is, to the extent and in the manner set forth in the Indenture, subordinate and subject in right of payment to the prior payment
in full of all Senior Indebtedness, whether outstanding at the date hereof or hereafter incurred, and on the terms and subject
to the terms and conditions set forth in the Indenture, and shall rank <I>pari passu</I> in right of payment with all other Notes.
Each Holder of this Note, by the acceptance hereof, agrees to and shall be bound by such provisions of the Indenture and authorizes
and directs the Trustee on his behalf to take such actions as may be necessary or appropriate to effectuate the subordination so
provided.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Defaults and Remedies</U>.
If an Event of Default with respect to Notes shall occur and be continuing, the principal and interest owed on the Notes shall
only become due and payable in accordance with the terms and conditions set forth in Section 6.2 of the Base Indenture (in all
respects as modified by Article IV of the First Supplemental Indenture). The Trustee may withhold from Holders of the Notes notice
of any continuing Default or Event of Default (except a Default or Event of Default relating to the payment of principal or interest)
if it determines that withholding notice is in their interest. The Indenture permits, subject to certain limitations therein provided,
Holders of not less than a majority in aggregate principal amount of the then outstanding Securities of any Series to direct the
time, method and place of conducting any proceeding for exercising any remedy available to the Trustee or exercising any trust
or power conferred on the Trustee, with respect to the Securities of such Series. The Holders of a majority in aggregate principal
amount of the then outstanding Notes by written notice to the Trustee may on behalf of the Holders of all of the Notes waive any
existing Default or Event of Default and its consequences under the Indenture, except a continuing Default or Event of Default
in the payment of the principal of or interest on the Notes or in respect of a covenant or provision of the Indenture which cannot
be amended or modified without the consent of all Holders of the Notes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Trustee Dealings
with Company</U>. The Trustee, in its individual or any other capacity, may become the owner or pledgee of Notes and may otherwise
deal with the Company or any Affiliate of the Company with the same rights it would have if it were not the Trustee.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Discharge and Defeasance.</U>
Subject to certain conditions, the Company at any time shall be entitled to terminate some or all of its obligations under the
Notes and the Indenture if the Company deposits with the Trustee cash in United States dollars, non-callable<FONT STYLE="background-color: white">&nbsp;U.S.
Government Obligations</FONT>, or a combination thereof, in such amounts as will be sufficient, in the opinion of a nationally
recognized firm of independent public accountants, to pay and discharge the entire indebtedness on the outstanding Notes for principal
and accrued interest, to the date of maturity or redemption, as the case may be.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Recourse Against
Others</U>. No recourse under or upon any obligation, covenant or agreement contained in the Indenture or in this Note, or for
any claim based thereon or otherwise in respect thereof, shall be had against any incorporator, shareholder, employee, officer,
or director, as such, past, present or future, of the Company, either directly or through the Company, whether by virtue of any
constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise; it being expressly understood
that the Indenture, this Note and the obligations issued hereunder are solely obligations of the Company, and that no such personal
liability whatever shall attach to, or is or shall be incurred by, the incorporators, shareholders, employees, officers or directors,
as such, of the Company, or any of them, because of the creation of the indebtedness hereby authorized, or under or by reason of
the obligations, covenants or agreements contained in the Indenture or in any Security or implied therefrom; and that any and all
such personal liability of every name and nature, either at common law or in equity or by constitution or statute or otherwise,
of, and any and all such rights and claims against, every such incorporator, shareholder, employee, officer or director, as such,
because of the creation of the indebtedness hereby authorized, or under or by reason of the obligations, covenants or agreements
contained in the Indenture or in any Security or implied therefrom, are hereby expressly waived and released as a condition of,
and as a consideration for the issuance of the Notes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authentication</U>.
This Note shall not be valid until authenticated by the manual signature of the Trustee or an authenticating agent.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Abbreviations</U>.
Customary abbreviations may be used in the name of a Holder or an assignee, such as: TEN COM (= tenants in common), TEN ENT (=
tenants by the entireties), JT TEN (= joint tenants with right of survivorship and not as tenants in common), CUST (= custodian),
and U/G/M/A (= Uniform Gifts to Minors Act). Additional abbreviations may also be used though not in the above list.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>CUSIP Numbers</U>.
Pursuant to a recommendation promulgated by the Committee on Uniform Security Identification Procedures, the Company has caused
CUSIP numbers to be printed on the Notes and the Trustee may use CUSIP numbers in notices of redemption as a convenience to Holders.
No representation is made as to the accuracy of such numbers either as printed on the Notes or as contained in any notice of redemption
and reliance may be placed only on the other identification numbers placed thereon.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Available Information</U>.
The Company will furnish to any Holder upon written request and without charge a copy of the Indenture. Requests may be made to:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Customers Bancorp, Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">1015 Penn Avenue, Suite 103</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Wyomissing, PA 19610</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Attention: Michael De Tommaso, Corporate Secretary</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">19.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.
This Note may be executed by one or more of the parties to this Note on any number of separate counterparts, and all of said counterparts
taken together shall be deemed to constitute one and the same instrument.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">20.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law</U>.
THIS NOTE SHALL BE DEEMED TO BE A CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK AND SHALL BE GOVERNED BY, AND CONSTRUED
IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICT OF LAW PRINCIPLES THEREOF OTHER THAN SECTION 5-1401
OF THE NEW YORK GENERAL OBLIGATIONS LAW.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Assignment Form</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">To assign this Note, fill in the form below:&nbsp; (I) or (we) assign
and transfer this Note to</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">(Insert assignee&rsquo;s Social Security or Tax Identification number)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">(Print or type assignee&rsquo;s name, address and zip code)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">and irrevocably appoint&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
transfer this Note</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">on the books of the Company.&nbsp; The agent may substitute another
to act for him.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Date:______________________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 80pt; text-indent: 0pt; text-align: justify">Your
signature:___________________________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 80pt; text-indent: 0pt; text-align: justify">(Sign
exactly as your name appears on the face of this Note)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 80pt; text-indent: 0pt; text-align: justify">Tax
Identification No.:&nbsp; __________________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 80pt; text-indent: 0pt; text-align: justify">SIGNATURE
GUARANTEE:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Signatures
must be guaranteed by an &ldquo;eligible guarantor institution&rdquo; meeting the requirements of the Registrar, which requirements
include membership or participation in the Security Transfer Agent Medallion Program (&ldquo;STAMP&rdquo;) or such other &ldquo;signature
guarantee program&rdquo; as may be determined by the Registrar in addition to, or in substitution for, STAMP, all in accordance
with the Securities Exchange Act of 1934, as amended.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>[To Be Attached to Global Notes]</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Schedule of Increases or Decreases in the
Global Note</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">The following increases or decreases in this Global Note have been
made:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Date of exchange</P></TD>
    <TD STYLE="width: 19%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Amount of</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">decrease in</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">principal amount</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">of this Global Note</P></TD>
    <TD STYLE="width: 19%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Amount of</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">increase in</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">principal amount</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">of this Global Note</P></TD>
    <TD STYLE="width: 23%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Principal amount</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">of this Global Note following such decrease
        or</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">increase</P></TD>
    <TD STYLE="width: 20%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Signature of authorized</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">signatory of</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Trustee or Notes Custodian</P></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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



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<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>5
<FILENAME>ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 3pt 0 6pt; text-align: right">Exhibit 5.1</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 3pt 0 6pt; text-align: right"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;<IMG SRC="image_002.jpg" ALT="" STYLE="height: 107px; width: 219px"></TD>
    <TD STYLE="width: 50%">&nbsp;<P STYLE="font: bold 9pt Times New Roman, Times, Serif; margin: 3pt 0 6pt; text-align: right">Stradley
Ronon Stevens &amp; Young, LLP</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: right">Suite 2600</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: right">2005 Market Street</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: right">Philadelphia, PA 19103-7018</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: right">Telephone 215.564.8000</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: right">Fax 215.564.8120</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: right">www.stradley.com</P>

</TD></TR>
</TABLE>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 3pt 0 6pt; text-align: right">&nbsp;</P>

<P STYLE="font: bold 9pt Times New Roman, Times, Serif; margin: 3pt 0 6pt; text-align: right"><IMG SRC="image_003.gif" ALT="" STYLE="height: 11px; width: 11px"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 9, 2019</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">Customers Bancorp, Inc.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">1015 Penn Avenue</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">Suite 103</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">Wyomissing PA 19610</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">Re:</FONT></TD>
    <TD STYLE="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 89%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">Customers Bancorp, Inc. &ndash; Offering of Subordinated Notes</FONT></TD></TR>
</TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">Ladies and Gentlemen:</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; color: #002060"><FONT STYLE="color: Black">We
have acted as counsel to and for Customers Bancorp, Inc., a Pennsylvania corporation (the &ldquo;Company&rdquo;), in connection
with the offer and sale of up to $74,750,000 in aggregate principal amount of its 5.375% Subordinated Notes due 2034 (the &ldquo;Subordinated
Notes&rdquo;). The Subordinated Notes are included in a registration statement on Form S-3 under the Securities Act of 1933, as
amended (the &ldquo;Securities Act&rdquo;), File No. 333-218483, filed by the Company with the Securities and Exchange Commission
(the &ldquo;Commission&rdquo;) on June 2, 2017 and declared effective by the Commission on June 23, 2017 (such registration statement,
together with the base prospectus contained therein as of June 23, 2017 (the &ldquo;Base Prospectus&rdquo;) and constituting a
part thereof, the &ldquo;Registration Statement&rdquo;). In connection with the offer and sale of the Subordinated Notes, the
Company also has filed a preliminary prospectus supplement dated December 4, 2019 (the &ldquo;Preliminary Prospectus Supplement&rdquo;),
a free writing prospectus dated December 4, 2019 and an additional free writing prospectus dated December 4, 2019 (together, the
&ldquo;Free Writing Prospectuses&rdquo;) and a final prospectus supplement dated December 4, 2019 (the &ldquo;Final Prospectus
Supplement&rdquo;). The Preliminary Prospectus Supplement and the Final Prospectus Supplement have each been filed with the Commission
pursuant to Rule 424(b) under the Securities Act, and the Free Writing Prospectuses have been filed with the Commission pursuant
to Rule 433 under the Securities Act. The Subordinated Notes will be issued pursuant to an indenture dated December 9, 2019 between
the Company, as Issuer, and Wilmington Trust, National Association, as Trustee (the &ldquo;Base Indenture&rdquo;), and a first
supplemental indenture dated December 9, 2019 between the Company and the Trustee (the &ldquo;First Supplemental Indenture,&rdquo;
and together with the Base Indenture, the &ldquo;Indenture&rdquo;).</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"><FONT STYLE="color: Black">In
connection with this opinion, we have examined originals or copies, certified or otherwise identified to our satisfaction, of:</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"><FONT STYLE="color: Black">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Registration Statement;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"><FONT STYLE="color: Black">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Preliminary Prospectus Supplement;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"><FONT STYLE="color: Black">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Free Writing Prospectuses;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"><FONT STYLE="color: Black">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Final Prospectus Supplement;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">December 9, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Page 2</P>



<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"><FONT STYLE="color: Black">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Underwriting Agreement dated December 4, 2019 by and among the Company, Customers Bank and B. Riley FBR, Inc., as the Representative
of the Underwriters named therein (the &ldquo;Underwriting Agreement&rdquo;);</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"><FONT STYLE="color: Black">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Base Indenture;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; color: #002060; text-indent: 0.5in"><FONT STYLE="color: Black">(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
First Supplemental Indenture;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="color: Black">(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
form of global note representing the Subordinated Notes;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="color: Black">(ix)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company&rsquo;s Amended and Restated Articles of Incorporation, as amended, in effect on the date hereof;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="color: Black">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Company&rsquo;s Amended and Restated Bylaws, as amended, in effect on the date hereof;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="color: Black">(xi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;resolutions
of the Company&rsquo;s Board of Directors and the Pricing Committee thereof with respect to the offering of the Subordinated Notes;
and</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="color: Black">(xii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;such
other records, documents, certificates and statutes as we have deemed necessary for purposes of this opinion letter.</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In rendering this opinion, we have assumed and
relied upon, without independent investigation (i)&nbsp;the authenticity, completeness, truth and due authorization and execution
of all documents submitted to us as originals, (ii)&nbsp;the genuineness of all signatures on all documents submitted to us as
originals and (iii)&nbsp;the conformity to the originals of all documents submitted to us as certified, electronic or photostatic
copies. We also have assumed and relied upon, without independent investigation, that the Trustee is in full compliance with the
terms of the Indenture and that the Indenture has been duly authorized, executed and delivery by, and is valid and binding upon,
the Trustee and enforceable against the Trustee in accordance with its terms.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The law covered by the opinions expressed herein
is limited to the federal statutes, judicial decisions and rules and regulations of the governmental agencies of the United States
of America and the statutes, judicial and administrative decisions and rules and regulations of the governmental agencies of the
State of New York. We are not rendering any opinion as to compliance with any federal or state law, rule, or regulation relating
to securities, or to the sale or issuance thereof. This opinion letter is being furnished in connection with the requirements of
Item 601(b)(5) of the Commission&rsquo;s Regulation S-K, and we express no opinion as to any matter pertaining to the contents
of the Registration Statement, the Preliminary Prospectus Supplement, the Final Prospectus Supplement or any other prospectus supplement,
or any free writing prospectus, other than as expressly stated herein with respect to the issuance of the Subordinated Notes.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our opinions are limited and qualified in all
respects by the effects of (i)&nbsp;general principles of equity and limitations on availability of equitable relief, including
specific performance, whether applied by a court of law or equity, (ii)&nbsp;bankruptcy, insolvency, reorganization, moratorium,
arrangement, fraudulent conveyance or fraudulent transfer, receivership, and other laws now or hereafter in force affecting the
rights and remedies of creditors generally (not just creditors of specific types of debtors) and other laws now or hereafter in
force affecting generally only creditors of specific types of debtors, (iii) the effect of certain laws, regulations and judicial
and other decisions upon the availability and enforceability of certain remedies, including the remedies of specific performance
and self-help, and provisions purporting to waive the obligations of good faith, materiality, fair dealing, diligence, reasonableness
or objection to judicial jurisdiction, venue or forum and (iv) public policy considerations, to the extent that such considerations
limit the enforceability of any provision of any agreement which purports or is construed to provide indemnification, release of
liability or exculpation with respect to securities law violations.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0pt; text-indent: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">December 9, 2019</P>

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



<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This opinion letter is given only with respect
to laws and regulations presently in effect. We assume no obligation to advise you of any changes in law or regulation which may
hereafter occur, whether the same are retroactively or prospectively applied, or to update or supplement this letter in any fashion
to reflect any facts or circumstances which hereafter come to our attention.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Based upon, and subject to, the foregoing, and
subject to the qualifications, assumptions and limitations herein stated, we are of the opinion that, subject to the completion
of the actions to be taken by the Company, the Trustee and the Underwriters prior to the sale of the Subordinated Notes, the Subordinated
Notes, when duly executed, authenticated, issued and delivered in accordance with the provisions of the Indenture and the Underwriting
Agreement, and upon payment in full of the consideration therefor provided for in the Underwriting Agreement, will be validly issued
and will constitute valid and binding obligations of the Company, enforceable against the Company in accordance with their terms.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This opinion is to be used only in connection
with the Registration Statement and the offering of the Subordinated Notes described herein. This opinion is for your benefit and
may be relied upon by you and by persons entitled to rely upon it pursuant to the applicable provisions of the Securities Act.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We hereby consent to your filing of this opinion
as an exhibit to the Company&rsquo;s Current Report on Form 8-K filed December 9, 2019 and we further consent to the reference
to our firm under the caption &ldquo;Legal Matters&rdquo; in the Preliminary Prospectus Supplement and the Final Prospectus Supplement,
and to any reference to our firm in the Registration Statement as legal counsel who have passed upon certain legal matters regarding
the Subordinated Notes proposed to be issued thereunder.&nbsp;&nbsp;In giving such consent, we do not hereby admit that we are
&ldquo;experts&rdquo; within the meaning of the Securities Act, or the Rules and Regulations of the Commission issued thereunder,
with respect to any part of the Registration Statement, including this exhibit.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 41%">&nbsp;</TD>
    <TD STYLE="width: 59%"><FONT STYLE="font-size: 11pt">Very truly yours,</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 11pt">/s/ STRADLEY RONON STEVENS&nbsp;&amp; YOUNG, LLP</FONT></TD></TR>
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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>



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<DESCRIPTION>EXHIBIT 99.1
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<P STYLE="margin: 0; text-align: right"><B>Exhibit 99.1</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><IMG SRC="image_001.gif" ALT="" STYLE="height: 52px; width: 307px"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>1015 Penn Avenue</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: right"><B>Wyomissing, PA 19610</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Contacts:</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Jay Sidhu, Chairman &amp; CEO 610-935-8693</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Carla Leibold, CFO 484-923-8802</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Bob Ramsey, Director of Investor Relations
484-926-7118</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 23%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 14%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Customers Bancorp Commences Public Offering
of Subordinated Notes</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Rated &#8220;BBB-&#8221; by Kroll Bond Rating
Agency</B><FONT STYLE="font-family: Symbol"><SUP>*</SUP></FONT></P>

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

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Wyomissing, PA, December 4, 2019 - Customers
Bancorp, Inc. (NYSE: CUBI) the parent company of Customers Bank and its operating division BankMobile (collectively the &#8220;Company&#8221;
or &#8220;Customers&#8221;), today announced that it has commenced an underwritten public offering of $35 million aggregate principal
amount of Subordinated Notes due 2034 (the &#8220;Subordinated Notes&#8221;). The Company expects to grant the underwriters of
the offering an option to purchase up to an additional 15% of the aggregate principal amount of the Subordinated Notes sold, at
the public offering price, less the underwriting discounts, to cover over-allotments, if any. The Subordinated Notes received an
investment grade rating of BBB- from Kroll Bond Rating Agency, Inc., an independent, unaffiliated rating agency. The offering is
subject to market conditions, and there can be no assurance as to whether or when the offering may be completed, or as to the actual
size or terms of the offering.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Customers expects to use the net proceeds
for general corporate purposes, which may include working capital and the funding of organic growth at Customers Bank. Customers
also may use a portion of the net proceeds to redeem shares of its preferred stock once they become redeemable, repurchase shares
of its common stock, or fund, in whole or in part, possible future acquisitions of other financial services businesses.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">If the offering is completed, the Subordinated
Notes will be issued in denominations of $25 and integral multiples of $25 in excess thereof. The Company has applied to list the
Subordinated Notes on the New York Stock Exchange. If the offering is completed and the application is approved, trading in the
Subordinated Notes on the New York Stock Exchange is expected to begin within 30 days after the Subordinated Notes are first issued.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">The joint book-running managers for the
offering are B. Riley FBR, Inc., D.A. Davidson &amp; Co. and Janney Montgomery Scott LLC. The lead managers for the offering are
William Blair &amp; Company,</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify; color: #0070C0"></P>


<HR ALIGN="LEFT" SIZE="1" STYLE="width: 33%">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol"><SUP>*
</SUP></FONT>A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal
at any time by the assigning rating organization.&nbsp;</P>


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<P STYLE="font: 12pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">L.L.C. and Boenning &amp; Scattergood,
Inc. The co-managers for the offering are Incapital LLC, Maxim Group LLC and Wedbush Securities Inc.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">A shelf registration statement on Form
S-3 (File No. 333-218483) relating to the offering was filed previously with the Securities and Exchange Commission (&#8220;SEC&#8221;)
and is effective. A preliminary prospectus supplement related to the offering has been filed with the SEC. Copies of the shelf
registration statement (including the base prospectus), the preliminary prospectus supplement and other documents that the Company
has filed with the SEC that are incorporated by reference into the registration statement are available at no charge by visiting
EDGAR on the SEC's website located at www.sec.gov. A final prospectus supplement will be filed with the SEC and will be available
on the SEC's website once filed. The offering may be made only by means of a prospectus and a related prospectus supplement, copies
of which may be obtained by contacting: B. Riley FBR, Inc., Attention: Prospectus Department, 1300 17th Street North, Suite 1300,
Arlington, Virginia 22209, by telephone at (703) 312-9580 or by email at prospectuses@brileyfbr.com; D.A. Davidson &amp; Co., Attention
Syndicate Department, 8 Third Street North, Great Falls, MT 59401, by telephone at 1-800-332-5915 or by email at prospectusrequest@dadco.com;
or Janney Montgomery Scott LLC, Attention: Syndicate Department, 1717 Arch Street, Philadelphia, PA 19103, by telephone at 215-665-4450
or by email at prospectus@janney.com.</P>

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

<P STYLE="font: 12pt/120% Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 11pt">This press release shall not
constitute an offer to sell or the solicitation of an offer to buy any securities of the Company, nor shall there be any offer
or sale of securities in any state or jurisdiction in which such an offer, solicitation or sale would be unlawful prior to registration
or qualification under the securities laws of any such state or jurisdiction.</FONT><FONT STYLE="font-size: 10pt"><BR>
<BR>
<B>Institutional Background</B></FONT></P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify"><BR>
Customers Bancorp, Inc. is a bank holding company located in Wyomissing, Pennsylvania engaged in banking and related businesses
through its bank subsidiary, Customers Bank. Customers Bank is a community-based, full-service bank with assets of approximately
$11.7 billion at September&nbsp;30, 2019. A member of the Federal Reserve System with deposits insured by the Federal Deposit Insurance
Corporation, Customers Bank is an equal opportunity lender that provides a range of banking services to small and medium-sized
businesses, professionals, individuals and families through offices in Pennsylvania, Illinois, New York, Rhode Island, Massachusetts,
New Hampshire and New Jersey. Committed to fostering customer loyalty, Customers Bank uses a High Tech/High Touch strategy that
includes use of industry-leading technology to provide customers better access to their money, as well as Concierge Banking&reg;
by appointment at customers&#8217; homes or offices 12 hours a day, seven days a week. Customers Bank offers a continually expanding
portfolio of loans to small businesses, multi-family projects, mortgage companies and consumers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Customers Bancorp, Inc.'s voting common
shares are listed on the New York Stock Exchange under the symbol CUBI. Additional information about Customers Bancorp, Inc. can
be found on the Company&#8217;s website, www.customersbank.com. Information on, or accessible through, our website is not part
of any prospectus supplement or prospectus relating to the offering described herein, other than documents that</P>


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<P STYLE="font: 12pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">we file with the SEC that are specifically
incorporated by reference into any such prospectus supplement or prospectus.</P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><BR>
&#8220;Safe Harbor&#8221; Statement</B></P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify"><BR>
In addition to historical information, this press release may contain &#8220;forward-looking statements&#8221; within the meaning
of the &#8220;safe harbor&#8221; provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements
include statements with respect to Customers Bancorp, Inc.'s strategies, goals, beliefs, expectations, estimates, intentions, capital
raising efforts, financial condition and results of operations, future performance and business. Statements preceded by, followed
by, or that include the words &#8220;may,&#8221; &#8220;could,&#8221; &#8220;should,&#8221; &#8220;pro forma,&#8221; &#8220;looking
forward,&#8221; &#8220;would,&#8221; &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;estimate,&#8221;
&#8220;intend,&#8221; &#8220;plan,&#8221; or similar expressions generally indicate a forward-looking statement. These forward-looking
statements involve risks and uncertainties that are subject to change based on various important factors (some of which, in whole
or in part, are beyond Customers Bancorp, Inc.'s control). Numerous competitive, economic, regulatory, legal and technological
factors, among others, could cause Customers Bancorp, Inc.'s financial performance to differ materially from the goals, plans,
objectives, intentions and expectations expressed in such forward-looking statements. In addition, important factors relating to
the acquisition of the Disbursements business, the combination of Customers' BankMobile business with the acquired Disbursements
business, the implementation of Customers Bancorp, Inc.'s strategy to retain BankMobile for 2-3 years, the possibility that the
expected benefits of retaining BankMobile for 2-3 years may not be achieved, or the possible effects on Customers' results of operations
if BankMobile is never divested could cause Customers Bancorp's actual results to differ from those in the forward-looking statements.
Customers Bancorp, Inc. cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking
statement takes into account the impact of any future events. All forward-looking statements and information set forth herein are
based on management's current beliefs and assumptions as of the date hereof and speak only as of the date they are made. For a
more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review Customers
Bancorp, Inc.'s filings with the Securities and Exchange Commission, including its most recent annual report on Form 10-K for the
year ended December 31, 2018, subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K, including any
amendments thereto, that update or provide information in addition to the information included in the Form 10-K and Form 10-Q filings,
if any. Customers Bancorp, Inc. does not undertake to update any forward-looking statement whether written or oral, that may be
made from time to time by Customers Bancorp, Inc. or by or on behalf of Customers Bank.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify; color: #0070C0">&nbsp;</P>

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<DESCRIPTION>EXHIBIT 99.2
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<P STYLE="margin: 0; text-align: right"><B>Exhibit 99.2</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><IMG SRC="image_002.gif" ALT="" STYLE="height: 52px; width: 307px"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>1015 Penn Avenue</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: right"><B>Wyomissing, PA 19610</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Contacts:</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Jay Sidhu, Chairman &amp; CEO 610-935-8693</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Carla Leibold, CFO 484-923-8802</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Bob Ramsey, Director of Investor Relations
484-926-7118</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 23%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 14%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Customers Bancorp Announces Pricing Of $65
Million Subordinated Notes Offering</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Rated &#8220;BBB-&#8221; by Kroll Bond Rating
Agency</B><FONT STYLE="font-family: Symbol"><SUP>*</SUP></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Wyomissing, PA, December 4, 2019 - Customers
Bancorp, Inc. (NYSE: CUBI) the parent company of Customers Bank and its operating division BankMobile (collectively the &#8220;Company&#8221;
or &#8220;Customers&#8221;), today announced the pricing of its underwritten public offering of $65 million aggregate principal
amount of 5.375% Subordinated Notes due 2034 (the &#8220;Subordinated Notes&#8221;). The price to the purchasers was 100% of the
principal amount of the Subordinated Notes. Interest will be payable quarterly in arrears on each March 30, June 30, September
30 and December 30 of each year beginning on March 30, 2020. The Company has granted the underwriters an option to purchase up
to an additional $9,750,000 principal amount of Subordinated Notes at the public offering price, less the underwriting discounts,
to cover over-allotments, if any. The offering is expected to close on December 9, 2019, subject to the satisfaction of customary
closing conditions. The Subordinated Notes received an investment grade rating of BBB- from Kroll Bond Rating Agency, Inc., an
independent, unaffiliated rating agency.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Customers expects to receive net proceeds,
before expenses, of $62,952,500 from the offering, after deducting the underwriting discount (not giving effect to the underwriters&#8217;
over-allotment option). Customers expects to use the net proceeds for general corporate purposes, which may include working capital
and the funding of organic growth at Customers Bank. Customers also may use a portion of the net proceeds to redeem shares of its
preferred stock once they become redeemable, repurchase shares of its common stock, or fund, in whole or in part, possible future
acquisitions of other financial services businesses.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">The Subordinated Notes will be issued
in denominations of $25 and integral multiples of $25 in excess thereof. The Company has applied to list the Subordinated Notes
on the New York Stock Exchange. If the application is approved, trading in the Subordinated Notes on the New York Stock Exchange
is expected to begin within 30 days after the Subordinated Notes are first issued.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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


<HR ALIGN="LEFT" SIZE="1" STYLE="width: 33%">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol"><SUP>*</SUP></FONT>
A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any
time by the assigning rating organization.</P>



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


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<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">The joint book-running managers for the
offering are B. Riley FBR, Inc., D.A. Davidson &amp; Co. and Janney Montgomery Scott LLC. The lead managers for the offering are
William Blair &amp; Company, L.L.C. and Boenning &amp; Scattergood, Inc. The co-managers for the offering are Incapital LLC, Maxim
Group LLC and Wedbush Securities Inc.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Stradley Ronon Stevens &amp; Young, LLP
served as counsel to the Company and Sidley Austin LLP served as counsel to the underwriters in connection with the offering.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">A shelf registration statement on Form
S-3 (File No. 333-218483) relating to the offering was filed previously with the Securities and Exchange Commission (&#8220;SEC&#8221;)
and is effective. A preliminary prospectus supplement related to the offering has been filed with the SEC. Copies of the shelf
registration statement (including the base prospectus), the preliminary prospectus supplement and other documents that the Company
has filed with the SEC that are incorporated by reference into the registration statement are available at no charge by visiting
EDGAR on the SEC's website located at www.sec.gov. A final prospectus supplement will be filed with the SEC and will be available
on the SEC's website once filed. The offering may be made only by means of a prospectus and a related prospectus supplement, copies
of which may be obtained by contacting: B. Riley FBR, Inc., Attention: Prospectus Department, 1300 17th Street North, Suite 1300,
Arlington, Virginia 22209, by telephone at (703) 312-9580 or by email at prospectuses@brileyfbr.com; D.A. Davidson &amp; Co., Attention
Syndicate Department, 8 Third Street North, Great Falls, MT 59401, by telephone at 1-800-332-5915 or by email at prospectusrequest@dadco.com;
or Janney Montgomery Scott LLC, Attention: Syndicate Department, 1717 Arch Street, Philadelphia, PA 19103, by telephone at 215-665-4450
or by email at prospectus@janney.com.</P>

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

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">This press release shall not constitute
an offer to sell or the solicitation of an offer to buy any securities of the Company, nor shall there be any offer or sale of
securities in any state or jurisdiction in which such an offer, solicitation or sale would be unlawful prior to registration or
qualification under the securities laws of any such state or jurisdiction.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"><BR>
<BR>
</FONT><FONT STYLE="font-size: 11pt"><B>Institutional Background</B></FONT></P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify"><BR>
Customers Bancorp, Inc. is a bank holding company located in Wyomissing, Pennsylvania engaged in banking and related businesses
through its bank subsidiary, Customers Bank. Customers Bank is a community-based, full-service bank with assets of approximately
$11.7 billion at September&nbsp;30, 2019. A member of the Federal Reserve System with deposits insured by the Federal Deposit Insurance
Corporation, Customers Bank is an equal opportunity lender that provides a range of banking services to small and medium-sized
businesses, professionals, individuals and families through offices in Pennsylvania, Illinois, New York, Rhode Island, Massachusetts,
New Hampshire and New Jersey. Committed to fostering customer loyalty, Customers Bank uses a High Tech/High Touch strategy that
includes use of industry-leading technology to provide customers better access to their money, as well as Concierge Banking&reg;
by appointment at customers&#8217; homes or offices 12 hours a day, seven days a week.</P>


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<P STYLE="font: 12pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Customers Bank offers a continually expanding
portfolio of loans to small businesses, multi-family projects, mortgage companies and consumers.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Customers Bancorp, Inc.'s voting common
shares are listed on the New York Stock Exchange under the symbol CUBI. Additional information about Customers Bancorp, Inc. can
be found on the Company&#8217;s website, www.customersbank.com. Information on, or accessible through, our website is not part
of any prospectus supplement or prospectus relating to the offering described herein, other than documents that we file with the
SEC that are specifically incorporated by reference into any such prospectus supplement or prospectus.</P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><BR>
&#8220;Safe Harbor&#8221; Statement</B></P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify"><BR>
In addition to historical information, this press release may contain &#8220;forward-looking statements&#8221; within the meaning
of the &#8220;safe harbor&#8221; provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements
include statements with respect to Customers Bancorp, Inc.'s strategies, goals, beliefs, expectations, estimates, intentions, capital
raising efforts, financial condition and results of operations, future performance and business. Statements preceded by, followed
by, or that include the words &#8220;may,&#8221; &#8220;could,&#8221; &#8220;should,&#8221; &#8220;pro forma,&#8221; &#8220;looking
forward,&#8221; &#8220;would,&#8221; &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;estimate,&#8221;
&#8220;intend,&#8221; &#8220;plan,&#8221; or similar expressions generally indicate a forward-looking statement. These forward-looking
statements involve risks and uncertainties that are subject to change based on various important factors (some of which, in whole
or in part, are beyond Customers Bancorp, Inc.'s control). Numerous competitive, economic, regulatory, legal and technological
factors, among others, could cause Customers Bancorp, Inc.'s financial performance to differ materially from the goals, plans,
objectives, intentions and expectations expressed in such forward-looking statements. In addition, important factors relating to
the acquisition of the Disbursements business, the combination of Customers' BankMobile business with the acquired Disbursements
business, the implementation of Customers Bancorp, Inc.'s strategy to retain BankMobile for 2-3 years, the possibility that the
expected benefits of retaining BankMobile for 2-3 years may not be achieved, or the possible effects on Customers' results of operations
if BankMobile is never divested could cause Customers Bancorp's actual results to differ from those in the forward-looking statements.
Customers Bancorp, Inc. cautions that the foregoing factors are not exclusive, and neither such factors nor any such forward-looking
statement takes into account the impact of any future events. All forward-looking statements and information set forth herein are
based on management's current beliefs and assumptions as of the date hereof and speak only as of the date they are made. For a
more complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review Customers
Bancorp, Inc.'s filings with the Securities and Exchange Commission, including its most recent annual report on Form 10-K for the
year ended December 31, 2018, subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K, including any
amendments thereto, that update or provide information in addition to the information included in the Form 10-K and Form 10-Q filings,
if any. Customers Bancorp, Inc. does not undertake to update any forward-looking statement whether written or oral, that may be
made from time to time by Customers Bancorp, Inc. or by or on behalf of Customers Bank.</P>

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

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

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<TYPE>EX-99.3
<SEQUENCE>8
<FILENAME>ex99-3.htm
<DESCRIPTION>EXHIBIT 99.3
<TEXT>
<HTML>
<HEAD>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0; text-align: right"><B>Exhibit 99.3</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><IMG SRC="image_004.gif" ALT="" STYLE="height: 52px; width: 307px"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Customers Bancorp, Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>1015 Penn Avenue</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: right"><B>Wyomissing, PA 19610</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Contacts:</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Jay Sidhu, Chairman &amp; CEO 610-935-8693</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Carla Leibold, CFO 484-923-8802</B></P>

<P STYLE="font: 10pt/120% Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Bob Ramsey, Director of Investor Relations
484-926-7118</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 23%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 14%; border-bottom: Black 2.25pt solid; padding-left: 3pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Customers Bancorp Announces Closing of $74,750,000
Subordinated Notes Offering</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Including Full Exercise of Overallotment
Option</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Wyomissing, PA, December 9, 2019 &ndash;
Customers Bancorp, Inc. (NYSE: CUBI) the parent company of Customers Bank and its operating division BankMobile (collectively the
&ldquo;Company&rdquo; or &ldquo;Customers&rdquo;), today announced the closing of its previously announced underwritten public
offering of $74,750,000 aggregate principal amount of 5.375% Subordinated Notes due 2034, which included $9,750,000 of Subordinated
Notes issued pursuant to the full exercise by the underwriters of their overallotment option. The price to the purchasers was 100%
of the principal amount of the Subordinated Notes. Interest will be payable quarterly in arrears on each March 30, June 30, September
30 and December 30 of each year beginning on March 30, 2020.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">The Subordinated Notes received an investment
grade rating of BBB- from Kroll Bond Rating Agency, Inc., an independent, unaffiliated rating agency.* The Company has applied
to list the Subordinated Notes on the New York Stock Exchange under the symbol &ldquo;CUBB,&rdquo; and, if approved for listing,
trading in the Subordinated Notes is expected to begin within 30 days after the closing date.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Customers expects to receive net proceeds
of $72,075,375 from the offering, after deducting underwriting discounts and commissions and estimated offering expenses. Customers
expects to use the net proceeds for general corporate purposes, which may include working capital and the funding of organic growth
at Customers Bank. Customers also may use a portion of the net proceeds to redeem shares of its preferred stock once they become
redeemable, repurchase shares of its common stock, or fund, in whole or in part, possible future acquisitions of other financial
services businesses.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">The joint book-running managers for the
offering are B. Riley FBR, Inc., D.A. Davidson &amp; Co. and Janney Montgomery Scott LLC. The lead managers for the offering are
William Blair &amp; Company, L.L.C. and Boenning &amp; Scattergood, Inc. The co-managers for the offering are Incapital LLC, Maxim
Group LLC and Wedbush Securities Inc.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Stradley Ronon Stevens &amp; Young, LLP
served as counsel to the Company and Sidley Austin LLP served as counsel to the underwriters in connection with the offering.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">A shelf registration statement on Form
S-3 (File No. 333-218483) relating to the offering was filed previously with the Securities and Exchange Commission (&ldquo;SEC&rdquo;)
and is effective. A final prospectus supplement related to the offering has been filed with the SEC. Copies of the shelf registration
statement (including the base prospectus), the final prospectus supplement and other documents that the Company has filed with
the SEC that are incorporated by reference into the registration statement are available at no charge by visiting EDGAR on the
SEC&rsquo;s website located at www.sec.gov. Copies of the prospectus and prospectus supplement relating to the offering may be
obtained by contacting: B. Riley FBR, Inc., Attention: Prospectus Department, 1300 17th Street North, Suite 1300, Arlington, Virginia
22209, by telephone at (703) 312-9580 or by email at prospectuses@brileyfbr.com; D.A. Davidson &amp; Co., Attention Syndicate Department,
8 Third Street North, Great Falls, MT 59401, by telephone at 1-800-332-5915 or by email at prospectusrequest@dadco.com; or Janney
Montgomery Scott LLC, Attention: Syndicate Department, 1717 Arch Street, Philadelphia, PA 19103, by telephone at 215-665-4450 or
by email at prospectus@janney.com.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">This press release shall not constitute
an offer to sell or the solicitation of an offer to buy any securities of the Company, nor shall there be any offer or sale of
securities in any state or jurisdiction in which such an offer, solicitation or sale would be unlawful prior to registration or
qualification under the securities laws of any such state or jurisdiction.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">* A securities rating is not a recommendation to buy, sell
or hold securities and may be subject to revision or withdrawal at any time by the assigning rating organization.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0"><B>Institutional Background</B></P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Customers Bancorp, Inc. is a bank holding
company located in Wyomissing, Pennsylvania engaged in banking and related businesses through its bank subsidiary, Customers Bank.
Customers Bank is a community-based, full-service bank with assets of approximately $11.7 billion at September 30, 2019. A member
of the Federal Reserve System with deposits insured by the Federal Deposit Insurance Corporation, Customers Bank is an equal opportunity
lender that provides a range of banking services to small and medium-sized businesses, professionals, individuals and families
through offices in Pennsylvania, Illinois, New York, Rhode Island, Massachusetts, New Hampshire and New Jersey. Committed to fostering
customer loyalty, Customers Bank uses a High Tech/High Touch strategy that includes use of industry-leading technology to provide
customers better access to their money, as well as Concierge Banking&reg; by appointment at customers&rsquo; homes or offices 12
hours a day, seven days a week. Customers Bank offers a continually expanding portfolio of loans to small businesses, multi-family
projects, mortgage companies and consumers.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">Customers Bancorp, Inc.&rsquo;s voting
common shares are listed on the New York Stock Exchange under the symbol CUBI. Additional information about Customers Bancorp,
Inc. can be found on the Company&rsquo;s website, www.customersbank.com. Information on, or accessible through, our website is
not part of any prospectus supplement or prospectus relating to the offering described herein, other than documents that we file
with the SEC that are specifically incorporated by reference into any such prospectus supplement or prospectus.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0"><B>&ldquo;Safe Harbor&rdquo; Statement</B></P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">In addition to historical information,
this press release may contain &ldquo;forward-looking statements&rdquo; within the meaning of the &ldquo;safe harbor&rdquo; provisions
of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements with respect to Customers
Bancorp, Inc.&rsquo;s strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition
and results of operations, future performance and business. Statements preceded by, followed by, or that include the words &ldquo;may,&rdquo;
&ldquo;could,&rdquo; &ldquo;should,&rdquo; &ldquo;pro forma,&rdquo; &ldquo;looking forward,&rdquo; &ldquo;would,&rdquo; &ldquo;believe,&rdquo;
&ldquo;expect,&rdquo; &ldquo;anticipate,&rdquo; &ldquo;estimate,&rdquo; &ldquo;intend,&rdquo; &ldquo;plan,&rdquo; or similar expressions
generally indicate a forward-looking statement. These forward-looking statements involve risks and uncertainties that are subject
to change based on various important factors (some of which, in whole or in part, are beyond Customers Bancorp, Inc.&rsquo;s control).
Numerous competitive, economic, regulatory, legal and technological factors, among others, could cause Customers Bancorp, Inc.&rsquo;s
financial performance to differ materially from the goals, plans, objectives, intentions and expectations expressed in such forward-looking
statements. In addition, important factors relating to the acquisition of the Disbursements business, the combination of Customers&rsquo;
BankMobile business with the acquired Disbursements business, the implementation of Customers Bancorp, Inc.&rsquo;s strategy to
retain BankMobile for 2-3 years, the possibility that the expected benefits of retaining BankMobile for 2-3 years may not be achieved,
or the possible effects on Customers&rsquo; results of operations if BankMobile is never divested could cause Customers Bancorp&rsquo;s
actual results to differ from those in the forward-looking statements. Customers Bancorp, Inc. cautions that the foregoing factors
are not exclusive, and neither such factors nor any such forward-looking statement takes into account the impact of any future
events. All forward-looking statements and information set forth herein are based on management&rsquo;s current beliefs and assumptions
as of the date hereof and speak only as of the date they are made. For a more complete discussion of the assumptions, risks and
uncertainties related to our business, you are encouraged to review Customers Bancorp, Inc.&rsquo;s filings with the Securities
and Exchange Commission, including its most recent annual report on Form 10-K for the year ended December 31, 2018, subsequently
filed quarterly reports on Form 10-Q and current reports on Form 8-K, including any amendments thereto, that update or provide
information in addition to the information included in the Form 10-K and Form 10-Q filings, if any. Customers Bancorp, Inc. does
not undertake to update any forward-looking statement whether written or oral, that may be made from time to time by Customers
Bancorp, Inc. or by or on behalf of Customers Bank.</P>

<P STYLE="font: 11pt/120% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>



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

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</TEXT>
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<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>16
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>17
<FILENAME>cubi-20191204_lab.xml
<DESCRIPTION>XBRL LABEL FILE
<TEXT>
<XBRL>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6659225200">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Dec. 04, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec.  04,  2019<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-35542<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CUSTOMERS BANCORP, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001488813<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">27-2290659<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">1015 Penn Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 103<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Wyomissing<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">19610<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(610)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">933-2000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityInformationFormerLegalOrRegisteredName', window );">Entity Information, Former Legal or Registered Name</a></td>
<td class="text">Not Applicable<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=CUBI_VotingCommonStockParValue1.00PerShareMember', window );">Voting Common Stock Par Value 1. 00 Per Share [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Voting Common Stock, par value $1.00 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CUBI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetualPreferredStockSeriesCParValue1.00PerShareMember', window );">Fixedtofloating Rate Noncumulative Perpetual Preferred Stock Series C Par Value 1. 00 Per Share [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C, par value $1.00 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CUBI/PC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesDlMember', window );">Fixedtofloating Rate Noncumulative Perpetua Series Dl [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, par value $1.00 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CUBI/PD<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesElMember', window );">Fixedtofloating Rate Noncumulative Perpetua Series El [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series E, par value $1.00 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CUBI/PE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesFlMember', window );">Fixedtofloating Rate Noncumulative Perpetua Series Fl [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series F, par value $1.00 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CUBI/PF<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<td>dei_</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInformationFormerLegalOrRegisteredName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Former Legal or Registered Name of an entity</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInformationFormerLegalOrRegisteredName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCapitalizationEquityLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfCapitalizationEquityLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=CUBI_VotingCommonStockParValue1.00PerShareMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=CUBI_VotingCommonStockParValue1.00PerShareMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetualPreferredStockSeriesCParValue1.00PerShareMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetualPreferredStockSeriesCParValue1.00PerShareMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesDlMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesDlMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesElMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesElMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesFlMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetuaSeriesFlMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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