<SEC-DOCUMENT>0002039852-25-000203.txt : 20251222
<SEC-HEADER>0002039852-25-000203.hdr.sgml : 20251222
<ACCEPTANCE-DATETIME>20251222163517
ACCESSION NUMBER:		0002039852-25-000203
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20251222
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:		Financial Statements and Exhibits
FILED AS OF DATE:		20251222
DATE AS OF CHANGE:		20251222

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Customers Bancorp, Inc.
		CENTRAL INDEX KEY:			0001488813
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				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:		251592946

	BUSINESS ADDRESS:	
		STREET 1:		701 READING AVENUE
		CITY:			WEST READING
		STATE:			PA
		ZIP:			19611
		BUSINESS PHONE:		484-359-7113

	MAIL ADDRESS:	
		STREET 1:		701 READING AVENUE
		CITY:			WEST READING
		STATE:			PA
		ZIP:			19611

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Customers 1st Bancorp, Inc.
		DATE OF NAME CHANGE:	20100408
</SEC-HEADER>
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<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

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STATES</b></span></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 18pt; color: Black"><b>SECURITIES
AND EXCHANGE COMMISSION</b></span></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="color: Black"><b>Washington,
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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="color: Black">&#160;</span></p>

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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 11pt; color: Black"><b>CURRENT
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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 11pt; color: Black"><b>Pursuant
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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 11pt; color: Black"><b>of
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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>(Address
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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>N/A</b></span></p>

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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="color: Black">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="color: Black">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligations
of the registrant under any of the following provisions (see General Instructions A.2. below):</span></p>

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    <td style="width: 32%; vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p></td>
    <td style="width: 32%; vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p></td></tr>
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    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p></td>
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<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"></p>

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<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>Securities
registered pursuant to Section 12(b) of the Act:</b></span></p>

<table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font-size: 11pt">
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    <td style="width: 12%; vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="width: 12%; vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="width: 12%; vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td></tr>
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    <td colspan="3" style="vertical-align: bottom"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="text-decoration: underline solid Black; font-size: 10pt; color: Black"><b>Title
                                            of each class</b></span></p></td>
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                                            Symbols</b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
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                                            of each exchange on which registered</b></span></p></td></tr>
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    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b><span id="xdx_901_edei--TradingSymbol_c20251222__20251222__us-gaap--StatementClassOfStockAxis__custom--VotingCommonStockParValue1.00PerShareMember_zIAQ3aTFKUPj"><ix:nonNumeric contextRef="From2025-12-222025-12-22_custom_VotingCommonStockParValue1.00PerShareMember" id="Fact000026" name="dei:TradingSymbol">CUBI</ix:nonNumeric></span></b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b><span id="xdx_90A_edei--SecurityExchangeName_c20251222__20251222__us-gaap--StatementClassOfStockAxis__custom--VotingCommonStockParValue1.00PerShareMember_z4X4rRMf7a53"><ix:nonNumeric contextRef="From2025-12-222025-12-22_custom_VotingCommonStockParValue1.00PerShareMember" format="ixt-sec:exchnameen" id="Fact000027" name="dei:SecurityExchangeName">New
                                            York Stock Exchange</ix:nonNumeric></span></b></span></p></td></tr>
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    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td></tr>
  <tr>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td></tr>
  <tr>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b><span id="xdx_90F_edei--Security12bTitle_c20251222__20251222__us-gaap--StatementClassOfStockAxis__custom--FixedtofloatingRateNoncumulativePerpetualMember_z4HuRWZCaEjf"><ix:nonNumeric contextRef="From2025-12-222025-12-22_custom_FixedtofloatingRateNoncumulativePerpetualMember" id="Fact000028" name="dei:Security12bTitle">Fixed-to-Floating
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    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b><span id="xdx_90E_edei--TradingSymbol_c20251222__20251222__us-gaap--StatementClassOfStockAxis__custom--FixedtofloatingRateNoncumulativePerpetualMember_zgAqbhJ2eood"><ix:nonNumeric contextRef="From2025-12-222025-12-22_custom_FixedtofloatingRateNoncumulativePerpetualMember" id="Fact000029" name="dei:TradingSymbol">CUBI/PF</ix:nonNumeric></span></b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b><span id="xdx_906_edei--SecurityExchangeName_c20251222__20251222__us-gaap--StatementClassOfStockAxis__custom--FixedtofloatingRateNoncumulativePerpetualMember_zqO2LOlJSQRe"><ix:nonNumeric contextRef="From2025-12-222025-12-22_custom_FixedtofloatingRateNoncumulativePerpetualMember" format="ixt-sec:exchnameen" id="Fact000030" name="dei:SecurityExchangeName">New
                                            York Stock Exchange</ix:nonNumeric></span></b></span></p></td></tr>
  <tr>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b><span id="xdx_907_edei--Security12bTitle_c20251222__20251222__us-gaap--StatementClassOfStockAxis__custom--Sec5.375SubordinatedNotesDue2034Member_zge7VbCrsxU8"><ix:nonNumeric contextRef="From2025-12-222025-12-22_custom_Sec5.375SubordinatedNotesDue2034Member" id="Fact000031" name="dei:Security12bTitle">5.375%
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    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b><span id="xdx_90A_edei--TradingSymbol_c20251222__20251222__us-gaap--StatementClassOfStockAxis__custom--Sec5.375SubordinatedNotesDue2034Member_zPWE9dA5rEYi"><ix:nonNumeric contextRef="From2025-12-222025-12-22_custom_Sec5.375SubordinatedNotesDue2034Member" id="Fact000032" name="dei:TradingSymbol">CUBB</ix:nonNumeric></span></b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;</b></span></p></td>
    <td colspan="3" style="vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b><span id="xdx_902_edei--SecurityExchangeName_c20251222__20251222__us-gaap--StatementClassOfStockAxis__custom--Sec5.375SubordinatedNotesDue2034Member_znUvq4tHNfgh"><ix:nonNumeric contextRef="From2025-12-222025-12-22_custom_Sec5.375SubordinatedNotesDue2034Member" format="ixt-sec:exchnameen" id="Fact000033" name="dei:SecurityExchangeName">New
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  </table>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black">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). Emerging growth company <span style="font-family: Times New Roman, Times, Serif"><span id="xdx_900_edei--EntityEmergingGrowthCompany_c20251222__20251222_z5YlRhvjml6k"><ix:nonNumeric contextRef="AsOf2025-12-22" format="ixt:booleanfalse" id="Fact000034" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></span>&#160;</span></p>

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  <tr>
    <td style="width: 34%; vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p></td>
    <td style="width: 33%; vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p></td>
    <td style="width: 33%; vertical-align: middle"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p></td></tr>
  <tr style="height: 3pt">
    <td colspan="3" style="vertical-align: middle"/></tr>
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<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black">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. <span style="font-family: Times New Roman, Times, Serif">&#9744;</span></span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>


<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

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<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></p>


<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b><br/></b></span></p>

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  <tr>
    <td style="width: 11%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>Item
                                            1.01</b></span></p></td>
    <td style="width: 2%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>&#160;</b></span></p></td>
    <td style="width: 87%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>Entry
                                            into a Material Definitive Agreement.</b></span></p></td></tr>
  <tr>
    <td style="vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p></td>
    <td style="vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p></td>
    <td style="vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p></td></tr>
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<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">On December 22, 2025, Customers Bancorp, Inc.
(the &#8220;Company&#8221;) and Wilmington Trust, National Association (the &#8220;Trustee&#8221;) entered into a Second
Supplemental Indenture (the &#8220;Second Supplemental Indenture&#8221; and together with the Base Indenture (as defined herein),
the &#8220;Indenture&#8221;) relating to the issuance of $100,000,000 aggregate principal amount of 6.875% Fixed-to-Floating Rate
Subordinated Notes due 2036 (the &#8220;Notes&#8221;), which supplements that certain Indenture, dated as of December 9, 2019 between the
Company and the Trustee
(as may be further amended, supplemented or otherwise modified from time to time, the &#8220;Base 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; text-indent: 0.5in">The Notes are the Company&#8217;s subordinated
obligations and will rank junior to all of the Company&#8217;s existing and future senior indebtedness. In addition, the
Subordinated Notes will be effectively subordinated to all of the Company&#8217;s secured indebtedness to the extent of the value of
the assets securing such indebtedness. The Notes will be structurally subordinated to all of the existing and future liabilities and
obligations of the Company&#8217;s existing and future subsidiaries, including, without limitation, Customers Bank&#8217;s
depositors, liabilities to general creditors, liabilities arising in the ordinary course of business or otherwise and the Customers
Bank&#8217;s outstanding 6.125% Fixed-to-Floating Rate Subordinated Notes due 2029 (the &#8220;2029 Subordinated Notes&#8221;). The Notes will be
obligations of Customers Bancorp, Inc. only and will not be obligations of, and will not be guaranteed by, any of the
Company&#8217;s subsidiaries, including Customers Bank.</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; text-indent: 0.5in">From and including the date of original issuance
to, but excluding, January 15, 2031 or the date of earlier redemption (the &#8220;fixed rate period&#8221;), interest on the notes
will accrue at the rate of 6.875% per annum. Interest on the notes will be payable semi-annually in arrears on January 15 and July
15 of each year (each, a &#8220;fixed rate interest payment date&#8221;), commencing on July 15, 2026. From and including January
15, 2031 to, but excluding, January 15, 2036 or the date of earlier redemption (the &#8220;floating rate period&#8221;), the notes
will bear interest at a floating rate per annum equal to benchmark rate (which is expected to be Three-Month Term SOFR) (the
&#8220;Benchmark&#8221;) plus 342 basis points for each quarterly interest period during the floating rate period, payable quarterly
in arrears on January 15, April 15, July 15 and October 15 of each year (each, a &#8220;floating rate interest payment date,&#8221;
and, together with the fixed rate interest payment dates, the &#8220;interest payment dates&#8221;), commencing on April 15, 2031.
Notwithstanding the foregoing, if the Benchmark rate is less than zero, the Benchmark rate shall be deemed to be zero.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The interest payable on the Notes during the fixed
rate period and floating rate period will be paid to the person in whose name such Note is registered at the close of business on the
1st day of the month (whether or not a business day) of the applicable interest payment date.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Notes are redeemable, at the Company's
option, beginning on January 15, 2031, and on any interest payment date thereafter, 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 Notes will not be subject
to repayment at the option of the holder at any time prior to maturity.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Indenture contains several covenants which, among
other things, limit the Company&#8217;s and any material subsidiary&#8217;s (as defined below) ability to sell or otherwise dispose of
certain of such material subsidiary&#8217;s equity securities or incur debt secured by certain of such material subsidiary&#8217;s equity
securities, and, in addition, limits such material subsidiary&#8217;s ability to issue certain of its equity securities and its ability
to merge, consolidate or take similar actions. A &#8220;material subsidiary&#8221; means Customers Bank or any successor thereof, or any
of the Company&#8217;s subsidiaries that is a depository institution and that has consolidated assets equal to 30% or more of the Company&#8217;s
consolidated assets. The Indenture also contains a number of other customary terms, covenants and events of default. These and other provisions
in the Indenture are subject to a number of exceptions, qualifications and limitations.</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; text-indent: 0.5in">The foregoing descriptions of the Base Indenture and
the Second Supplemental Indenture do not purport to be complete and are qualified in their entirety by reference to the full text of such
documents. For a complete description of the Base Indenture and the Second Supplemental Indenture, which includes the form of the Note,
please refer to the Base Indenture, attached as Exhibit 4.1 and the Second Supplemental Indenture, attached as Exhibit 4.2 to this Current
Report on Form 8-K, which are incorporated herein by reference. The form of the Note is included in Exhibit 4.3 and is incorporated herein
by reference.</p>
<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt"></span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt"></span></p>

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<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Stradley Ronon Stevens &amp; Young, LLP, counsel to
the Company, delivered an opinion as to legality of the issuance and sale of the Notes, a copy of which is filed as Exhibit 5.1 to this
Current Report on Form 8-K and incorporated herein by reference.<span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font-size: 11pt">
  <tr>
    <td style="width: 11%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black">I<b>tem
                                            2.03</b></span></p></td>
    <td style="width: 2%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>&#160;</b></span></p></td>
    <td style="width: 87%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>Creation
                                            of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
                                            of a Registrant.</b></span></p></td></tr>
  </table>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt">The
information required by this Item 2.03 is contained in Item 1.01 above and is incorporated by reference herein.</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font-size: 11pt">
  <tr>
    <td style="width: 11%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>&#160;<span style="color: Black">Item
                                            9.01</span></b></span></p></td>
    <td style="width: 2%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>&#160;</b></span></p></td>
    <td style="width: 87%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>Financial
                                            Statements and Exhibits.</b></span></p></td></tr>
  </table>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 4.4pt; margin-bottom: 0pt"><span style="font-size: 10pt">(d) Exhibits.</span></p>



<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="width: 7%">&#160;</td>
    <td style="vertical-align: bottom; width: 1%">&#160;</td>
    <td style="width: 92%">&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td>
<div style="border-bottom: black 0.75pt solid; padding: 0in">

    <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>
    <p style="border-bottom: black 0.75pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>Description</b></p></td></tr>
  <tr>
    <td>&#160;</td>
    <td colspan="2">&#160;</td></tr>
  <tr>
    <td style="vertical-align: top; padding-left: 9.05pt; text-align: left; text-indent: 0pt">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">Indenture, dated as of December 9, 2019, between Customers
    Bancorp, Inc., as Issuer and Wilmington Trust, National Association, as Trustee (incorporated by reference to <a href="http://www.sec.gov/Archives/edgar/data/1488813/000095015919000264/ex4-1.htm" style="-sec-extract: exhibit">Exhibit 4.1 of the Registrant&#8217;s
    Current Report on Form 8-K filed December 9, 2019</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: 9.05pt">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: left; text-indent: 0pt">4.2</p></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">Second Supplemental Indenture dated as of December 22, 2025 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>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"></p></td></tr>
  <tr>
    <td style="vertical-align: top; padding-left: 9.05pt; text-align: left; text-indent: 0pt">4.3</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top">Form of 6.875% Fixed-to-Floating Rate Subordinated Note (included in <a href="ex4-2.htm">Exhibit 4.2</a>).</td></tr>
  <tr>
    <td style="vertical-align: top; padding-left: 9.05pt; text-align: center; text-indent: -8.8pt">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top">&#160;</td></tr>
  <tr>
    <td style="vertical-align: top; padding-left: 9.05pt; text-align: left; text-indent: 0pt">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 &amp; Young, LLP.</a></td></tr>
  <tr>
    <td style="vertical-align: top; padding-left: 9.05pt; text-align: center; text-indent: -8.8pt">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top">&#160;</td></tr>
  <tr>
    <td style="vertical-align: top; padding-left: 9.05pt; text-align: left; text-indent: 0pt">23.1</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top">Consent of Stradley Ronon Stevens &amp; Young, LLP (included in <a href="ex5-1.htm">Exhibit 5.1</a>).</td></tr>
  <tr>
    <td style="vertical-align: top; padding-left: 9.05pt; text-align: center; text-indent: -8.8pt">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top">&#160;</td></tr>
  <tr>
    <td style="vertical-align: top; padding-left: 9.05pt; text-align: left; text-indent: 0pt">104</td>
    <td style="vertical-align: bottom">&#160;</td>
    <td style="vertical-align: top">The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.</td></tr>
  </table>
<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

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<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b><br/></b></span></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt"><b>SIGNATURE</b></span></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt">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.</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt"><span style="font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font-size: 11pt">
  <tr>
    <td style="width: 54%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black">&#160;</span></p></td>
    <td style="width: 46%; vertical-align: top"><p style="font: 11pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black"><b>CUSTOMERS
                                            BANCORP, INC.</b></span></p>
        <p style="font: 11pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black">&#160;</span></p>
        <p style="font: 11pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black">By:
        <span style="text-decoration: underline solid Black">/s/ Mark R. McCollom</span></span></p>
        <p style="font: 11pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black">Name:
        Mark R. McCollom</span></p>
        <p style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-size: 10pt; color: Black">Title:
        Chief Financial Officer</span></p></td></tr>
  </table>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 9.9pt; margin-bottom: 0pt"><span style="font-size: 10pt">&#160;</span></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin-top: 9.9pt; margin-bottom: 0pt"><span style="font-size: 10pt">Date: December
22, 2025</span></p>


<p style="margin: 0"><span style="font-size: 10pt">&#160;</span></p>

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

<P STYLE="text-align: right; margin: 0"><B>Exhibit 4.2</B></P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: right; margin-top: 0pt; margin-bottom: 0pt"><B><I>Execution Version</I></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">CUSTOMERS BANCORP, INC.,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">as Issuer</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">WILMINGTON TRUST, NATIONAL ASSOCIATION,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">as Trustee</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">SECOND SUPPLEMENTAL INDENTURE</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">Dated as of December 22, 2025</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">To</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">INDENTURE</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">Dated as of December 9, 2019</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">(Subordinated Debt Securities)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">6.875% FIXED-TO-FLOATING RATE SUBORDINATED NOTES DUE 2036</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 6pt; margin-bottom: 12pt"><B>Table of Contents</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 86.4pt; padding-right: 9pt; text-indent: -86.4pt">ARTICLE I&nbsp;&nbsp;&nbsp;DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION</TD>
    <TD STYLE="font-size: 12pt; text-align: right">4</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 1.01&nbsp;&nbsp;&nbsp;Definitions</TD>
    <TD STYLE="font-size: 12pt; text-align: right">4</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 1.02&nbsp;&nbsp;&nbsp;Conflicts with Base Indenture</TD>
    <TD STYLE="font-size: 12pt; text-align: right">11</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 86.4pt; padding-right: 9pt; text-indent: -86.4pt">ARTICLE II&nbsp;&nbsp;&nbsp;CREATION OF THE NOTES</TD>
    <TD STYLE="font-size: 12pt; text-align: right">11</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.01&nbsp;&nbsp;&nbsp;Designation of Series</TD>
    <TD STYLE="font-size: 12pt; text-align: right">11</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.02&nbsp;&nbsp;&nbsp;Form and Denomination of Notes</TD>
    <TD STYLE="font-size: 12pt; text-align: right">11</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.03&nbsp;&nbsp;&nbsp;Initial Limit on Amount of Series</TD>
    <TD STYLE="font-size: 12pt; text-align: right">11</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.04&nbsp;&nbsp;&nbsp;No Sinking Fund or Repurchase at the Option of Holders</TD>
    <TD STYLE="font-size: 12pt; text-align: right">12</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.05&nbsp;&nbsp;&nbsp;Optional Redemption</TD>
    <TD STYLE="font-size: 12pt; text-align: right">12</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.06&nbsp;&nbsp;&nbsp;Notes Not Convertible or Exchangeable</TD>
    <TD STYLE="font-size: 12pt; text-align: right">14</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.07&nbsp;&nbsp;&nbsp;Issuance of Notes; Selection of Depository</TD>
    <TD STYLE="font-size: 12pt; text-align: right">14</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.08&nbsp;&nbsp;&nbsp;Issuance of Additional Notes</TD>
    <TD STYLE="font-size: 12pt; text-align: right">14</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.09&nbsp;&nbsp;&nbsp;Dollars</TD>
    <TD STYLE="font-size: 12pt; text-align: right">15</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.10&nbsp;&nbsp;&nbsp;Interest</TD>
    <TD STYLE="font-size: 12pt; text-align: right">15</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.11&nbsp;&nbsp;&nbsp;Defeasance Applicable to Notes</TD>
    <TD STYLE="font-size: 12pt; text-align: right">19</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 2.12&nbsp;&nbsp;&nbsp;Paying Agent and Security Registrar</TD>
    <TD STYLE="font-size: 12pt; text-align: right">19</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 86.4pt; padding-right: 9pt; text-indent: -86.4pt">ARTICLE III&nbsp;&nbsp;&nbsp;SUBORDINATION OF THE NOTES</TD>
    <TD STYLE="font-size: 12pt; text-align: right">19</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.01&nbsp;&nbsp;&nbsp;Ranking; Notes Subordinate to Senior Indebtedness</TD>
    <TD STYLE="font-size: 12pt; text-align: right">19</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.02&nbsp;&nbsp;&nbsp;No Payment When Senior Indebtedness in Default</TD>
    <TD STYLE="font-size: 12pt; text-align: right">21</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.03&nbsp;&nbsp;&nbsp;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</TD>
    <TD STYLE="font-size: 12pt; text-align: right">22</TD>
    </TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.04&nbsp;&nbsp;&nbsp;Payment Permitted If No Default</TD>
    <TD STYLE="font-size: 12pt; text-align: right">22</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.05&nbsp;&nbsp;&nbsp;Trustee Not Charged with Knowledge of Prohibition</TD>
    <TD STYLE="font-size: 12pt; text-align: right">23</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.06&nbsp;&nbsp;&nbsp;Trustee to Effectuate Subordination</TD>
    <TD STYLE="font-size: 12pt; text-align: right">23</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.07&nbsp;&nbsp;&nbsp;Rights of Trustee as Holder of Senior Indebtedness</TD>
    <TD STYLE="font-size: 12pt; text-align: right">23</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.08&nbsp;&nbsp;&nbsp;Article Applicable to Paying Agents</TD>
    <TD STYLE="font-size: 12pt; text-align: right">23</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.09&nbsp;&nbsp;&nbsp;Subordination Rights Not Impaired by Acts or Omissions of the Company or Holders of Senior Indebtedness</TD>
    <TD STYLE="font-size: 12pt; text-align: right">23</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 3.10&nbsp;&nbsp;&nbsp;Modification of Subordination Provisions</TD>
    <TD STYLE="font-size: 12pt; text-align: right">24</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 86.4pt; padding-right: 9pt; text-indent: -86.4pt">ARTICLE IV&nbsp;&nbsp;&nbsp;REMEDIES</TD>
    <TD STYLE="font-size: 12pt; text-align: right">24</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.01&nbsp;&nbsp;&nbsp;Events of Default</TD>
    <TD STYLE="font-size: 12pt; text-align: right">24</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.02&nbsp;&nbsp;&nbsp;Acceleration of Maturity; Rescission and Annulment</TD>
    <TD STYLE="font-size: 12pt; text-align: right">25</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.03&nbsp;&nbsp;&nbsp;Collection of Indebtedness and Suits for Enforcement by Trustee</TD>
    <TD STYLE="font-size: 12pt; text-align: right">26</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.04&nbsp;&nbsp;&nbsp;Trustee May File Proofs of Claim</TD>
    <TD STYLE="font-size: 12pt; text-align: right">27</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.05&nbsp;&nbsp;&nbsp;Trustee May Enforce Claims Without Possession of Notes</TD>
    <TD STYLE="font-size: 12pt; text-align: right">27</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.06&nbsp;&nbsp;&nbsp;Application of Money Collected</TD>
    <TD STYLE="font-size: 12pt; text-align: right">27</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.07&nbsp;&nbsp;&nbsp;Limitation on Suits</TD>
    <TD STYLE="font-size: 12pt; text-align: right">28</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.08&nbsp;&nbsp;&nbsp;Unconditional Right of Holders to Receive Principal, Premium, and Interest</TD>
    <TD STYLE="font-size: 12pt; text-align: right">28</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.09&nbsp;&nbsp;&nbsp;Restoration of Rights and Remedies</TD>
    <TD STYLE="font-size: 12pt; text-align: right">28</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.10&nbsp;&nbsp;&nbsp;Rights and Remedies Cumulative</TD>
    <TD STYLE="font-size: 12pt; text-align: right">29</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.11&nbsp;&nbsp;&nbsp;Delay or Omission Not Waiver</TD>
    <TD STYLE="font-size: 12pt; text-align: right">29</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.12&nbsp;&nbsp;&nbsp;Control by Holders</TD>
    <TD STYLE="font-size: 12pt; text-align: right">29</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.13&nbsp;&nbsp;&nbsp;Waiver of Past Defaults</TD>
    <TD STYLE="font-size: 12pt; text-align: right">29</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.14&nbsp;&nbsp;&nbsp;Undertaking for Costs</TD>
    <TD STYLE="font-size: 12pt; text-align: right">30</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 4.15&nbsp;&nbsp;&nbsp;Indenture and Notes Solely Corporate Obligations</TD>
    <TD STYLE="font-size: 12pt; text-align: right">30</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 86.4pt; padding-right: 9pt; text-indent: -86.4pt">ARTICLE V&nbsp;&nbsp;&nbsp;MISCELLANEOUS</TD>
    <TD STYLE="font-size: 12pt; text-align: right">30</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.01&nbsp;&nbsp;&nbsp;Application of Second Supplemental Indenture</TD>
    <TD STYLE="font-size: 12pt; text-align: right">30</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.02&nbsp;&nbsp;&nbsp;Benefits of this Second Supplemental Indenture</TD>
    <TD STYLE="font-size: 12pt; text-align: right">30</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.03&nbsp;&nbsp;&nbsp;Modification of the Base Indenture</TD>
    <TD STYLE="font-size: 12pt; text-align: right">30</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.04&nbsp;&nbsp;&nbsp;Reports by the Company</TD>
    <TD STYLE="font-size: 12pt; text-align: right">31</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.05&nbsp;&nbsp;&nbsp;Effective Date</TD>
    <TD STYLE="font-size: 12pt; text-align: right">31</TD>
    </TR>
</TABLE>

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  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.06&nbsp;&nbsp;&nbsp;Counterparts</TD>
    <TD STYLE="font-size: 12pt; text-align: right">31</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.07&nbsp;&nbsp;&nbsp;Successors and Assigns</TD>
    <TD STYLE="font-size: 12pt; text-align: right">31</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.08&nbsp;&nbsp;&nbsp;Table of Contents, Headings, Etc</TD>
    <TD STYLE="font-size: 12pt; text-align: right">31</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.09&nbsp;&nbsp;&nbsp;Severability Clause</TD>
    <TD STYLE="font-size: 12pt; text-align: right">31</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.10&nbsp;&nbsp;&nbsp;Satisfaction and Discharge</TD>
    <TD STYLE="font-size: 12pt; text-align: right">31</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.11&nbsp;&nbsp;&nbsp;Ratification of the Base Indenture</TD>
    <TD STYLE="font-size: 12pt; text-align: right">31</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.12&nbsp;&nbsp;&nbsp;Governing Law</TD>
    <TD STYLE="font-size: 12pt; text-align: right">32</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.13&nbsp;&nbsp;&nbsp;Trustee Disclaimer</TD>
    <TD STYLE="font-size: 12pt; text-align: right">32</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.14&nbsp;&nbsp;&nbsp;Force Majeure</TD>
    <TD STYLE="font-size: 12pt; text-align: right">32</TD>
    </TR>
  <TR>
    <TD STYLE="font-size: 12pt; padding-bottom: 6pt; padding-left: 122.4pt; text-indent: -86.4pt">Section 5.15&nbsp;&nbsp;&nbsp;U.S.A. Patriot Act</TD>
    <TD STYLE="font-size: 12pt; text-align: right">32</TD>
    </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    </TR>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><B>SECOND
SUPPLEMENTAL INDENTURE</B> (this &#8220;<FONT STYLE="text-decoration: underline solid">Second Supplemental Indenture</FONT>&#8221;),
dated as of December 22, 2025, by and between Customers Bancorp, Inc., a Pennsylvania corporation (the &#8220;<FONT STYLE="text-decoration: underline solid">Company</FONT>&#8221;),
and Wilmington Trust, National Association, as trustee (&#8220;<FONT STYLE="text-decoration: underline solid">Trustee</FONT>&#8221;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 12pt"><FONT STYLE="text-transform: uppercase"><B>RECITALS</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">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 &#8220;<FONT STYLE="text-decoration: underline solid">Base
Indenture</FONT>&#8221; and, as amended, modified and supplemented by this Second Supplemental Indenture, the &#8220;<FONT STYLE="text-decoration: underline solid">Indenture</FONT>&#8221;),
providing for the issuance by the Company from time to time of its subordinated debt securities;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">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 Second Supplemental
Indenture to modify the Base Indenture and provide certain additional provisions as hereinafter described;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">WHEREAS, the Company and the Trustee deem it advisable to enter into this Second 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: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">WHEREAS, the execution and delivery of this Second Supplemental Indenture has been authorized by a resolution of the Board of Directors
of the Company; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">WHEREAS, all conditions and requirements of the Base Indenture necessary to make this Second 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: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 31.5pt">NOW, THEREFORE, THIS SECOND SUPPLEMENTAL INDENTURE WITNESSETH:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">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: bold 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><BR>ARTICLE
I</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 12pt">DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><B>Section
1.01&nbsp;&nbsp;Definitions.</B> Capitalized terms used herein and not otherwise defined herein have the meanings assigned to them in
the Base Indenture. The words &#8220;herein&#8221;, &#8220;hereof&#8221; and &#8220;hereby&#8221; and other words of similar import used
in this Second Supplemental Indenture refer to this Second Supplemental Indenture as a whole and not to any particular section hereof.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">As used herein, the following terms have the specified meanings:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Additional Notes</FONT>&#8221; has the meaning set forth in Section 2.08 of this
Second Supplemental Indenture.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Administrative or Judicial Action</FONT>&#8221; has the meaning provided in the
definition of &#8220;Tax Event.&#8221;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Base Indenture</FONT>&#8221; has the meaning specified in the recitals of this
Second Supplemental Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Benchmark</FONT>&#8221; means, initially, Three-Month Term SOFR; provided that
if the Company or the Company&#8217;s designee determines on or prior to the Reference Time for any Floating Rate Period that a Benchmark
Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR or the then-current Benchmark,
then &#8220;Benchmark&#8221; means the applicable Benchmark Replacement for such Floating Rate Period and any subsequent Floating Rate
Periods.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Benchmark Replacement</FONT>&#8221; means the Interpolated Benchmark with respect
to the then-current Benchmark, plus the Benchmark Replacement Adjustment for such Benchmark; provided that if (a) the Company or the
Company&#8217;s designee cannot determine the Interpolated Benchmark as of the Benchmark Replacement Date or (b) the then current Benchmark
is Three Month Term SOFR and a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month
Term SOFR (in which event no Interpolated Benchmark with respect to Three-Month Term SOFR shall be determined), then &#8220;<FONT STYLE="text-decoration: underline solid">Benchmark
Replacement</FONT>&#8221; means the first alternative set forth in the order below that can be determined by the Company or the Company&#8217;s
designee as of the Benchmark Replacement Date:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(1)&#9;<FONT STYLE="color: Black">Compounded SOFR;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(2)&#9;<FONT STYLE="color: Black">the sum of: (a) the alternate rate that has been selected or recommended by the Relevant Governmental
Body as the replacement for the then-current Benchmark for the applicable Corresponding Tenor and (b) the Benchmark Replacement Adjustment;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black">(3)&#9;the sum of: (a) the ISDA Fallback Rate, and (b) the Benchmark Replacement Adjustment; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(4)&#9;<FONT STYLE="color: Black">the sum of: (a) the alternate rate that has been selected by the Company or the Company&#8217;s designee
as the replacement for the then-current Benchmark for the applicable Corresponding Tenor, giving due consideration to any industry-accepted
rate as a replacement for the then-current Benchmark for U.S. dollar-denominated floating rate securities at such time, and (b) the Benchmark
Replacement Adjustment.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Benchmark Replacement Adjustment</FONT>&#8221; means the first alternative set
forth in the order below that can be determined by the Company or the Company&#8217;s designee as of the Benchmark Replacement Date:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(1)&#9;<FONT STYLE="color: Black">the spread adjustment, or method for calculating or determining such spread adjustment (which may be
a positive or negative value or zero), that has been selected or recommended by the Relevant Governmental Body for the applicable Unadjusted
Benchmark Replacement;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(2)&#9;<FONT STYLE="color: Black">if the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate, then the
ISDA Fallback Adjustment; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(3)&#9;<FONT STYLE="color: Black">the spread adjustment (which may be a positive or negative value or zero) that has been selected by
the Company or the Company&#8217;s designee giving due consideration to any industry-accepted spread adjustment or method for calculating
or determining such spread adjustment, for the replacement of the then-current Benchmark with the applicable Unadjusted Benchmark Replacement
for U.S. dollar-denominated floating rate securities at such time.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Benchmark Replacement Conforming Changes</FONT>&#8221; means, with respect to any
Benchmark Replacement, any technical, administrative or operational changes (including changes to the definition of &#8220;interest period,&#8221;
timing and frequency of determining rates with respect to each interest period and making payments of interest, rounding of amounts or
tenors, and other administrative matters) that the Company or the Company&#8217;s designee decides may be appropriate to reflect the
adoption of such Benchmark Replacement in a manner substantially consistent with market practice (or, if the Company or the Company&#8217;s
designee decides that adoption of any portion of such market practice is not administratively feasible or if the Company or the Company&#8217;s
designee determines that no market practice for use of the Benchmark Replacement exists, in such other manner as the Company or the Company&#8217;s
designee determines is reasonably necessary).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Benchmark Replacement Date</FONT>&#8221; means the earliest to occur of the following
events with respect to the then-current Benchmark:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(1)&#9;<FONT STYLE="color: Black">in the case of clause (1) of the definition of &#8220;<FONT STYLE="text-decoration: underline solid Black">Benchmark
Transition Event</FONT>,&#8221; the relevant Reference Time in respect of any determination;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black">(2)&#9;in the case of clause (2) or (3) of the definition of &#8220;<FONT STYLE="text-decoration: underline solid Black">Benchmark
Transition Event</FONT>,&#8221; the later of (a) the date of the public statement or publication of information referenced therein and
(b) the date on which the administrator of the Benchmark permanently or indefinitely ceases to provide the Benchmark; or</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(3)&#9;<FONT STYLE="color: Black">in the case of clause (4) of the definition of &#8220;<FONT STYLE="text-decoration: underline solid Black">Benchmark
Transition Event</FONT>,&#8221; the date of the public statement or publication of information referenced therein.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">For the avoidance of doubt, if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than, the
Reference Time in respect of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the Reference
Time for such determination.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Benchmark Transition Event</FONT>&#8221; means the occurrence of one or more of
the following events with respect to the then-current Benchmark:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black">(1)&#9;if the Benchmark is Three-Month Term SOFR, the Company determines that the use of a forward-looking
rate for a tenor of three months based on SOFR is not administratively feasible and provides written notice of such determination to
the Calculation Agent or the Company&#8217;s designee;</FONT></P>

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black">(2)&#9;a public statement or publication of information by or on behalf of the administrator of the Benchmark
announcing that such administrator has ceased or will cease to provide the Benchmark, permanently or indefinitely, provided that, at
the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black">(3)&#9;a public statement or publication of information by the regulatory supervisor for the administrator
of the Benchmark, the central bank for the currency of the Benchmark, an insolvency official with jurisdiction over the administrator
for the Benchmark, a resolution authority with jurisdiction over the administrator for the Benchmark or a court or an entity with similar
insolvency or resolution authority over the administrator for the Benchmark, which states that the administrator of the Benchmark has
ceased or will cease to provide the Benchmark permanently or indefinitely, provided that, at the time of such statement or publication,
there is no successor administrator that will continue to provide the Benchmark; or</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(4)&#9;<FONT STYLE="color: Black">a public statement or publication of information by the regulatory supervisor for the administrator
of the Benchmark announcing that the Benchmark is no longer representative.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Business Day</FONT>&#8221; means 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; provided, that, when used in connection with an amount
that bears interest at a rate based on SOFR or Term SOFR or any direct or indirect calculation or determination of SOFR or Term SOFR,
the term &#8220;Business Day&#8221; means any such day that is also a U.S. Government Securities Business Day.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Calculation Agent</FONT>&#8221; means the agent appointed by the Company prior
to the commencement of the Floating Rate Period. The Company or an affiliate of the Company shall initially serve as the Calculation
Agent.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Compounded SOFR</FONT>&#8221; means the compounded average of SOFRs for the applicable
Corresponding Tenor, with the rate, or methodology for this rate, and conventions for this rate (which will be compounded in arrears
with a lookback and/or suspension period as a mechanism to determine the interest amount payable prior to the end of each interest period)
being established by the Company or the Company&#8217;s designee in accordance with:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(1)&#9;<FONT STYLE="color: Black">the rate, or methodology for this rate, and conventions for this rate selected or recommended by the
Relevant Governmental Body for determining compounded SOFR; provided that:</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">(2)&#9;<FONT STYLE="color: Black">if,
and to the extent that, the Company or the Company&#8217;s designee determines that Compounded SOFR cannot be determined in accordance
with clause (1) above, then the rate, or methodology for this rate, and conventions for this rate that have been selected by the Company
or the Company&#8217;s designee giving due consideration to any industry-accepted market practice for U.S. dollar-denominated floating
rate securities at such time.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">For the avoidance of doubt, the calculation of Compounded SOFR shall exclude the Benchmark Replacement Adjustment and the spread of 342
basis points per annum.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Company</FONT>&#8221; has the meaning specified in the preamble of this Second
Supplemental Indenture until a successor corporation shall have become such pursuant to the applicable provisions of the Base Indenture,
and thereafter &#8220;Company&#8221; shall mean such successor corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Corresponding Tenor</FONT>&#8221; (i) with respect to Term SOFR means three months,
and (ii) with respect to a Benchmark Replacement means a tenor (including overnight) having approximately the same length (disregarding
business day adjustment) as the applicable tenor for the then-current Benchmark.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Federal Reserve</FONT>&#8221; means the Board of Governors of the Federal Reserve
System.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Federal Reserve Bank of New York&#8217;s website</FONT>&#8221; means the website
of the Federal Reserve Bank of New York (the &#8220;FRBNY&#8221;) at http://www.newyorkfed.org, or any successor source.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Fixed Rate Interest Payment Date</FONT>&#8221; has the meaning provided in Section
2.10(a).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Fixed Rate Period</FONT>&#8221; has the meaning provided in Section 2.10(a).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Fixed Rate Regular Record Date</FONT>&#8221; has the meaning provided in Section
2.10(a).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Floating Rate Interest Payment Date</FONT>&#8221; has the meaning provided in Section
2.10(b).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Floating Rate Period</FONT>&#8221; has the meaning provided in Section 2.10(b).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Floating Rate Regular Record Date</FONT>&#8221; has the meaning provided in Section
2.10(b).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Second Supplemental Indenture</FONT>&#8221; has the meaning specified in the preamble
of this Second Supplemental Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Indenture</FONT>&#8221; has the meaning specified in the recitals of this Second
Supplemental Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Interest Payment Date</FONT>&#8221; has the meaning provided in Section 2.10(b).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">interest period</FONT>&#8221; means the period from and including the immediately
preceding Interest Payment Date in respect of which interest has been paid or duly provided for or, if no interest has been paid or duly
provided for, from and including the Issue Date to, but excluding, the applicable Interest Payment Date or the Maturity Date or date
of earlier redemption, if applicable.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Interpolated Benchmark</FONT>&#8221; with respect to the Benchmark means the rate
determined by the Company or the Company&#8217;s designee for the Corresponding Tenor by interpolating on a linear basis between: (1)
the Benchmark for the longest period (for which the Benchmark is available) that is shorter than the Corresponding Tenor, and (2) the
Benchmark for the shortest period (for which the Benchmark is available) that is longer than the Corresponding Tenor.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">ISDA Definitions</FONT>&#8221; means the 2006 ISDA Definitions published by the
International Swaps and Derivatives Association, Inc. or any successor thereto, as amended or supplemented from time to time, or any
successor definitional booklet for interest rate derivatives published from time to time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">ISDA Fallback Adjustment</FONT>&#8221; means the spread adjustment (which may be
a positive or negative value or zero) that would apply for derivatives transactions referencing the ISDA Definitions to be determined
upon the occurrence of an index cessation event with respect to the Benchmark for the applicable tenor.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">ISDA Fallback Rate</FONT>&#8221; means the rate that would apply for derivatives
transactions referencing the ISDA Definitions to be effective upon the occurrence of an index cessation date with respect to the Benchmark
for the applicable tenor excluding the applicable ISDA Fallback Adjustment.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Issue Date</FONT>&#8221; means December 22, 2025.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Notes</FONT>&#8221; has the meaning set forth in Section 2.01 of this Second Supplemental
Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Person</FONT>&#8221; 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: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Redemption Date</FONT>&#8221; has the meaning set forth in Section 2.05(a) of this
Second Supplemental Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Reference Time</FONT>&#8221; with respect to any determination of the Benchmark
means (1) if the Benchmark is Three-Month Term SOFR, the time determined by the Company or the Company&#8217;s designee after giving
effect to the Three-Month Term SOFR Conventions, and (2) if the Benchmark is not Three-Month Term SOFR, the time determined by the Company
or the Company&#8217;s designee after giving effect to the Benchmark Replacement Conforming Changes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Relevant Governmental Body</FONT>&#8221; means the Federal Reserve and/or the Federal
Reserve Bank of New York, or a committee officially endorsed or convened by the Federal Reserve and/or the Federal Reserve Bank of New
York or any successor thereto.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">SOFR</FONT>&#8221; means the secured overnight financing rate published by the
Federal Reserve Bank of New York, as the administrator of the Benchmark (or any successor administrator), on the Federal Reserve Bank
of New York&#8217;s website.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Tax Event</FONT>&#8221; 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 &#8220;<FONT STYLE="text-decoration: underline solid">Administrative or Judicial Action</FONT>&#8221;); (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&#8217;s federal income tax returns or positions or a similar
audit of any of the Company&#8217;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: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Term SOFR</FONT>&#8221; means the forward-looking term rate for the applicable
Corresponding Tenor based on SOFR as published by the Term SOFR Administrator.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Term SOFR Administrator</FONT>&#8221; means CME Group Benchmark Administration
Limited (CBA) (or a successor administrator of Three-Month Term SOFR selected the Company or the Company&#8217;s designee in the Company
or the Company&#8217;s designee&#8217;s reasonable discretion).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Three-Month Term SOFR</FONT>&#8221; means Term SOFR for a tenor of three months
that is published by the Term SOFR Administrator at the Reference Time for any Floating Rate Period, as determined by the Calculation
Agent after giving effect to the Three-Month Term SOFR Conventions. All percentages used in or resulting from any calculation of Three-Month
Term SOFR shall be rounded, if necessary, to the nearest one-hundred-thousandth of a percentage point, with 0.000005% rounded up to 0.00001%.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Three-Month Term SOFR Conventions</FONT>&#8221; means any determination, decision
or election with respect to any technical, administrative or operational matter (including with respect to the manner and timing of the
publication of Three-Month Term SOFR, or changes to the definition of &#8220;interest period,&#8221; timing and frequency of determining
Three-Month Term SOFR with respect to each interest period and making payments of interest, rounding of amounts or tenors, and other
administrative matters) that the Company or the Company&#8217;s designee decides may be appropriate to reflect the use of Three-Month
Term SOFR as the Benchmark in a manner substantially consistent with market practice (or, if the Company or the Company&#8217;s designee
decides that adoption of any portion of such market practice is not administratively feasible or if the Company or the Company&#8217;s
designee determines that no market practice for the use of Three-Month Term SOFR exists, in such other manner as the Company or the Company&#8217;s
designee determines is reasonably necessary).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Tier 2 Capital Event</FONT>&#8221; means the Company&#8217;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 &#8220;Tier 2 Capital&#8221; (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: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Trustee</FONT>&#8221; means the party named as such in the preamble to this Second
Supplemental Indenture until a successor replaces such party in accordance with the applicable provisions of the Indenture and thereafter
&#8220;Trustee&#8221; shall mean or include each Person who is then a Trustee hereunder.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">Unadjusted Benchmark Replacement</FONT>&#8221; means the Benchmark Replacement
excluding the Benchmark Replacement Adjustment.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&#8220;<FONT STYLE="text-decoration: underline solid">U.S. Government Securities Business Day</FONT>&#8221; means any day except for
(a) a Saturday, (b) a Sunday or (c) a day on which the Securities Industry and Financial Markets Association recommends that the fixed
income departments of its members be closed for the entire day for purposes of trading in U.S. government securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">Conflicts with Base Indenture. In the event that any provision of this Second Supplemental Indenture limits, qualifies or conflicts with
a provision of the Base Indenture, such provision of this Second Supplemental Indenture shall control.</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 12pt"><BR>ARTICLE
II<BR>
CREATION OF THE NOTES</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><B>Section
2.01&nbsp;&nbsp;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 &#8220;6.875% Fixed-To-Floating Rate Subordinated Notes Due 2036&#8221;
(the &#8220;<FONT STYLE="text-decoration: underline solid">Notes</FONT>&#8221;), which Notes shall be deemed &#8220;Securities&#8221;
for all purposes under the Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><B>Section
2.02&nbsp;&nbsp;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 <FONT STYLE="text-decoration: underline solid">Exhibit A</FONT> 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 January 15, 2036, unless redeemed on any date fixed for redemption (the &#8220;<FONT STYLE="text-decoration: underline solid">Redemption
Date</FONT>&#8221;) 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 $1,000 and any multiple of $1,000 in excess thereof.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><B>Section
2.03&nbsp;&nbsp;Initial Limit on Amount of Series.</B> The aggregate principal amount of Notes that initially may be authenticated and
delivered under this Second Supplemental Indenture shall be limited to $100,000,000. The Notes may, upon the execution and delivery of
this Second 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: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"><B>Section
2.04&nbsp;&nbsp;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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 2.05&#9;Optional
Redemption.</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">The Notes shall be redeemable, in each case, in whole or in part from time to time, at the option of the
Company, beginning with the Interest Payment Date on January 15, 2031, but not prior thereto (except upon the occurrence of certain events
specified below), and on any Interest Payment Date thereafter (each a &#8220;<U>Redemption Date</U>&#8221;), 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 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 (the &#8220;<U>Redemption Price</U>&#8221;). 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 The Depository Trust Company&#8217;s (&#8220;DTC&#8221;) 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 &#8220;Schedule of Increases or Decreases in Global Note&#8221; 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.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">In the event of any redemption of the Notes, the Company 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 DTC at least 10 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</TD></TR></TABLE>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">and discharge of the Indenture. Notes in
denominations larger than $1,000 may be redeemed in part but only in whole multiples of $1,000, 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. 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 of the Notes 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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">The Company shall mail, or cause to be mailed, a notice of redemption by first-class mail to each Holder
of the Notes to be redeemed (with a copy to the Trustee) at such Holder&#8217;s registered address appearing on the register. The notice
shall identify the Notes to be redeemed (including the CUSIP and/or ISIN numbers thereof, if any) and shall state:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">the Redemption Date;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">the principal amount of the Notes that are being redeemed;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">the redemption price and accrued interest to the Redemption Date that is payable;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify">if fewer than all outstanding Notes are to be redeemed, the portion of the principal amount of such Notes
to be redeemed and that, after the Redemption Date and upon surrender of such Notes, if applicable, a new Note or Notes in principal amount
equal to the unredeemed portion will be issued;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD STYLE="text-align: justify">the name and address of the Paying Agent;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(vi)</TD><TD STYLE="text-align: justify">that Notes called for redemption must be surrendered to the Paying Agent to collect the redemption price;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(vii)</TD><TD STYLE="text-align: justify">that unless the Company defaults in making the redemption payment, interest on Notes called for redemption
ceases to accrue on and after the Redemption Date;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(viii)</TD><TD STYLE="text-align: justify">if such notice is conditioned upon the occurrence of one or more conditions precedent, the nature of such conditions
precedent;</TD></TR></TABLE>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ix)</TD><TD STYLE="text-align: justify">the applicable section of this Indenture pursuant to which the Notes called for redemption are being redeemed;
and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(x)</TD><TD STYLE="text-align: justify">that no representation is made as to the correctness or accuracy of the CUSIP and/or ISIN numbers, if
any, listed in such notice or printed on the Notes.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Company may state in
the notice of redemption that payment of the redemption price and performance of its obligations with respect to redemption or purchase
may be performed by another Person.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">At the Company&#8217;s
request, the Trustee shall give the notice of redemption in the Company&#8217;s name and at its expense; provided, that the Company shall
have delivered to a Responsible Officer of the Trustee, at least 45 days prior to the Redemption Date (or such shorter period to which
the Trustee may agree), an Officers&#8217; Certificate requesting that the Trustee give such notice and attaching a copy of such notice,
which shall set forth the information to be stated in such notice as provided in this Section 2.05.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Further to the above, pursuant
to Section 2.2.8 of the Base Indenture, the first sentence of Section 3.2 of the Base Indenture is hereby deleted and replaced in its
entirety with the following:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&#8220;If less than all
of the Notes are to be redeemed at any time, the Trustee shall select the Notes to be redeemed on a pro rata basis, selected by lot or
in any manner that the Trustee deems fair and appropriate, subject to compliance with any applicable procedures of the Depository.&#8221;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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 &#8220;<U>Additional Notes</U>&#8221;)
under the terms of the Indenture and this Second 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 Second Supplemental Indenture (&#8220;<U>Outstanding Notes</U>&#8221;). The
Additional Notes shall be issued as part of the existing series of Notes issued pursuant to this Second 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 Second</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 2.10&#9;Interest</B>.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">The Notes will bear interest at a fixed rate of 6.875% per annum from and including December 22, 2025
to, but excluding, January 15, 2031 (the &#8220;Fixed Rate Period&#8221;). Interest accrued on the Notes during the Fixed Rate Period
will be payable semi-annually in arrears on January 15 and July 15 of each year, commencing on July 15, 2026 (each such date, a &#8220;<U>Fixed
Rate Interest Payment Date</U>&#8221;). The last Fixed Rate Interest Payment Date shall be January 15, 2031. The interest payable during
the Fixed Rate Period will be paid to each Holder in whose name a Note is registered at the close of business on January 1 and July 1
(whether or not a Business Day) (each such date, a &#8220;<U>Fixed Rate Regular Record Date</U>&#8221;).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">The Notes will bear a floating interest rate from, and including January 15, 2031, to, but excluding,
the Maturity Date or earlier Redemption Date (the &#8220;<U>Floating Rate Period</U>&#8221;). The Floating Interest Rate will be reset
quarterly, and the interest rate for any Floating Rate Period shall be equal to the Benchmark plus 342 basis points for each quarterly
interest period during the Floating Rate Period. During the Floating Rate Period, interest on the Notes will be payable quarterly in arrears
on January 15, April 15, July 15 and October 15 of each year commencing on April 15, 2031 (each such date, a &#8220;<U>Floating Rate Interest
Payment Date</U>&#8221; and, together with a Fixed Rate Interest Payment Date, an &#8220;<U>Interest Payment Date</U>&#8221;). The interest
payable during the Floating Rate Period will be paid to each Holder in whose name a Note is registered at the close of business on January
1, April 1, July 1 and October 1 (whether or not a Business Day) (each such date, a &#8220;<U>Floating Rate Regular Record Date</U>&#8221;).
Notwithstanding the foregoing, if the Benchmark is less than zero, the Benchmark shall be deemed to be zero. The Calculation Agent will
provide the Company and the Trustee with the interest rate in effect on the Notes promptly after the Reference Time (or such other date
of determination for the applicable Benchmark).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">The amount of interest payable on any Fixed Rate Interest Payment Date during the Fixed Rate Period will
be computed on the basis of a 360-day year consisting of twelve 30-day months to, but excluding, January 15, 2031, and the amount of interest
payable on any Floating Rate Interest Payment Date during the Floating Rate Period will be computed on the basis of a 360-day year on
the basis of the actual number of days elapsed. The Company or the Company&#8217;s designee, as applicable, shall calculate the amount
of interest payable on any Interest Payment</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">Date, and the Trustee shall have no duty
to confirm or verify any such calculation. In the event that any scheduled Interest Payment Date or the Maturity Date for the Notes falls
on a day that is not a Business Day, then payment of interest payable on such Interest Payment Date or of principal and interest payable
on the Maturity Date will be paid on the next succeeding day which is a Business Day (any payment made on such date will be treated as
being made on the date that the payment was first due and no interest on such payment will accrue for the period from and after such scheduled
Interest Payment Date); provided, that in the event that any scheduled Floating Rate Interest Payment Date falls on a day that is not
a Business Day and the next succeeding Business Day falls in the next succeeding calendar month, such Floating Rate Interest Payment Date
will be accelerated to the immediately preceding Business Day, and, in each such case, the amounts payable on such from interest calculations
will be adjusted for such non-Business Days. Dollar amounts resulting from interest calculations will be rounded to the nearest cent,
with one-half cent being rounded upward.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">The Company shall take such actions as are necessary to ensure that from the commencement of the Floating
Rate Period for so long as any of the Notes remain outstanding there will at all times be a Calculation Agent appointed to calculate the
Benchmark in respect of each Floating Rate Period. The calculation of the Benchmark for each applicable Floating Rate Period by the Calculation
Agent will (in the absence of manifest error) be final and binding. The Calculation Agent&#8217;s determination of any interest rate and
its calculation of interest payments for any period will be maintained on file at the Calculation Agent&#8217;s principal offices, will
be made available to any Holder of the Notes upon request and will be provided to the Trustee. The Calculation Agent shall have all the
rights, protections and indemnities afforded to the Trustee under the Base Indenture and hereunder. The Calculation Agent may be removed
by the Company at any time. If the Calculation Agent is unable or unwilling to act as Calculation Agent or is removed by the Company,
the Company will promptly appoint a replacement Calculation Agent. The Calculation Agent may not resign its duties without a successor
having been duly appointed; provided, that if a successor Calculation Agent has not been appointed by the Company and such successor accepted
such position within 30 days after the giving of notice of resignation by the Calculation Agent, then the resigning Calculation Agent
may petition, at the expense of the Company, any court of competent jurisdiction for the appointment of a successor Calculation Agent
with respect to such series. The Trustee shall not be under any duty to succeed to, assume or otherwise perform, any duties of the Calculation
Agent, or to appoint a successor or replacement in the event of the Calculation Agent&#8217;s resignation or removal or to replace the
Calculation Agent in the event of a default, breach or failure of performance on the part of the Calculation Agent with respect to the
Calculation Agent&#8217;s duties and obligations hereunder. For the avoidance of doubt, if at any time there is no Calculation Agent appointed
by the Company, then the Company shall be the Calculation Agent. The Company may appoint itself or any of its affiliates to be the Calculation
Agent.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">Effect of Benchmark Transition Event.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">If the Company or the Company&#8217;s designee determines that a Benchmark Transition Event and its related
Benchmark Replacement Date have occurred on or prior to the Reference Time in respect of any interest period during the Floating Rate
Period, then the Benchmark Replacement will replace the then-current Benchmark for all purposes relating to the Notes during such interest
period and all subsequent interest periods. In connection with the implementation of a Benchmark Replacement, the Company or the Company&#8217;s
designee will have the right to make Benchmark Replacement Conforming Changes from time to time.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">Notwithstanding anything set forth in Section 2.10(b) above, if the Company or the Company&#8217;s designee
determines on or prior to the relevant Reference Time that a Benchmark Transition Event and its related Benchmark Replacement Date have
occurred with respect to Three-Month Term SOFR, then the provisions set forth in this Section 2.10(e) will thereafter apply to all determinations
of the interest rate on the Notes for each interest period during the Floating Rate Period. After a Benchmark Transition Event and its
related Benchmark Replacement Date have occurred, the interest rate on the Notes for each interest period during the Floating Rate Period
will be an annual rate equal to the Benchmark Replacement plus 342 basis points.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">The Company and the Company&#8217;s designee are expressly authorized to make certain determinations,
decisions and elections under the terms of the Notes, including with respect to the use of Three-Month Term SOFR as the Benchmark for
the Floating Rate Period and under this Section 2.10(e). Any determination, decision or election that may be made by the Company or the
Company&#8217;s designee under the terms of the Notes, including any determination with respect to the use of Three-Month Term SOFR as
the Benchmark for the floating rate period, any determination under the benchmark transition provisions, any determination of a tenor,
rate, or adjustment or of the occurrence or non-occurrence of an event, circumstance, or date and any decision to take or refrain from
taking any action or any selection: (A) will be conclusive and binding on the Holders of the Notes and the Trustee absent manifest error,
(B) if made by the Company, will be made in the Company&#8217;s sole discretion, (C) if made by the Company&#8217;s designee, will be
made after consultation with the Company and the Company&#8217;s designee, will not make any such determination, decision or election
to which the Company reasonably objects and (D) notwithstanding anything to the contrary herein or in the Base Indenture, shall become
effective without consent from the Holders of the Notes or the Trustee.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">If the Company&#8217;s designee fails
to make any determination, decision, or election that it is required to make under the terms of the Notes, then the Company will make
that determination, decision, or election on the same basis as described above. In connection with such determination, decision</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify">or election, the Company will be treated
as the Calculation Agent for all purposes under the Indenture. The Trustee will have no liability relating to any delay caused by the
Calculation Agent&#8217;s, the Company&#8217;s or the Company&#8217;s designee&#8217;s failure to timely or appropriately determine the
rate of interest borne by the Notes.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify">The Company or its designee shall notify a Responsible Officer of the Trustee in writing (A) upon the
occurrence of the Benchmark Transition Event or the Benchmark Replacement Date, and (B) of any Benchmark Replacements, Benchmark Replacement
Conforming Changes and other items affecting the interest rate on the Notes after a Benchmark Transition Event.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD STYLE="text-align: justify">The Trustee (including in its capacity as Paying Agent) shall have no (A) responsibility or liability
for the (1) Three-Month Term SOFR Conventions, (2) selection of an alternative reference rate to Three-Month Term SOFR (including, without
limitation, whether the conditions for the designation of such rate have been satisfied or whether such rate is a Benchmark Replacement
or an Unadjusted Benchmark Replacement), (3) determination or calculation of a Benchmark Replacement, (4) determination of whether a Benchmark
Transition Event or Benchmark Replacement Date has occurred, or (5) to determine whether or what Benchmark Replacement Conforming Changes
are necessary or advisable in connection with any of the foregoing, and in each such case under clauses (1) through (5) above shall be
entitled to conclusively rely upon the selection, determination, and/or calculation thereof as provided by the Company or the Company&#8217;s
designee, as applicable, and (B) liability for any failure or delay in performing its duties hereunder as a result of the unavailability
of a Benchmark rate as described in the definition thereof, including, without limitation, as a result of the Company&#8217;s or its designee&#8217;s
failure to select a Benchmark Replacement or the Company&#8217;s or its designee&#8217;s failure to calculate a Benchmark. The Trustee
shall be entitled to rely conclusively on all notices from the Company or the Company&#8217;s designee regarding any Benchmark or Benchmark
Replacement, including, without limitation, in regard to Three-Month Term SOFR Conventions, a Benchmark Transition Event, Benchmark Replacement
Date, and Benchmark Replacement Conforming Changes. The Trustee shall not be responsible or liable for the actions or omissions of the
Company or the Company&#8217;s designee, or any failure or delay in the performance of the Company or its designee&#8217;s duties or obligations,
nor shall it be under any obligation to monitor or oversee the performance of the Company or the Company&#8217;s designee. The Trustee
shall be entitled to conclusively rely on any determination made, and any instruction, notice, Officers&#8217; Certificate or other instruction
or information provided by the Company or the Company&#8217;s designee without independent verification, investigation or inquiry of any
kind. The Trustee shall not be obligated to enter into any amendment or supplement hereto that adversely impacts its rights, duties, obligations,
immunities or liabilities (including, without limitation, in connection with
the adoption of any Benchmark Replacement Conforming Changes).</TD></TR></TABLE>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1.5in; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(vi)</TD><TD STYLE="text-align: justify">If the then-current Benchmark is Three-Month Term SOFR, the Company or the Company&#8217;s designee will
have the right to establish the Three-Month Term SOFR Conventions, and if any of the foregoing provisions concerning the calculation of
the interest rate and the payment of interest during the Floating Rate Period are inconsistent with any of the Three-Month Term SOFR Conventions
determined by the Company or the Company&#8217;s designee, then the relevant Three-Month Term SOFR Conventions will apply.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
its acquisition of the Notes, each Holder of Notes (including, for the avoidance of doubt, each beneficial owner) will acknowledge, accept,
consent to and agree to be bound by the Calculation Agent&#8217;s determination of the interest rate for each Floating Rate Period, and
the Calculation Agent&#8217;s, the Company&#8217;s or the Company&#8217;s designee&#8217;s determination of any Benchmark Replacement
Conforming Changes, Benchmark Replacement Date, Benchmark Replacement, Benchmark Replacement Adjustment, and Benchmark Transition Event,
including as may occur without any prior notice from the Company, the Company&#8217;s designee or the Calculation Agent and without the
need for to obtain any further consent from any Holder.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 2.11&#9; Defeasance
Applicable to Notes.</B> Pursuant to Sections 2.2. 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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: bold 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
III</B></FONT><BR>
SUBORDINATION OF THE NOTES</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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 Second Supplemental Indenture, or hereafter issued or incurred, including all indebtedness
relating to money owed to general creditors and trade creditors.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Company covenants and
agrees that anything in this Second 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 Second Supplemental Indenture, and each Holder of Notes, by such Holder&#8217;s acceptance of such Notes, likewise covenants and
agrees to the subordination provided in this Second Supplemental Indenture and shall be bound by the provisions of this Second 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>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event of</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">any insolvency, bankruptcy, receivership, liquidation, reorganization, readjustment, composition, or other
similar proceeding relating to the Company or its property,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">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</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">any assignment by the Company for the benefit of creditors,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">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.</TD></TR></TABLE>

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


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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 Second 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 Second 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 0 12pt; text-align: justify; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Trustee and Holders
will take such action (including, without limitation, the delivery of this Second 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 Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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 Second Supplemental Indenture or Base Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">(a)&#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</TD></TR></TABLE>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify">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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">(b)&#9;in the event any judicial proceeding shall be pending with respect to any such default in payment
or event of default, <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.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 3.03&#9;</B>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. 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>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 3.04&#9;</B>Payment
Permitted If No Default. Nothing contained in this Article III or elsewhere in the Base Indenture or this Second Supplemental Indenture,
or in any of the Notes, shall prevent (a) the Company at any time, except during the pendency of any dissolution, winding up, liquidation,
or reorganization proceedings referred to in Section 3.01 or under the conditions specified in Section 3.02, from making payments of the
principal of (or premium, if any) or interest on the Notes or (b) the application by the Trustee or any Paying Agent of any moneys deposited
with it under the Base Indenture or this Second 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
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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 3.05&#9;</B>Trustee
Not Charged with Knowledge of Prohibition. Anything in this Article III or elsewhere contained in this Second 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&#8217; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 3.06&#9;</B>Trustee
to Effectuate Subordination. Each Holder of Notes by such Holder&#8217;s acceptance authorizes and directs the Trustee in such Holder&#8217;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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 3.07&#9;Rights
of Trustee as Holder of Senior Indebtedness</B>. The Trustee shall be entitled to all the rights set forth in this Article 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 III shall deprive the Trustee of any rights as such holder and provided further that nothing in this Article
III shall apply to claims of, or payments to, the Trustee under or pursuant to Section 7.7 of the Base Indenture.</P>




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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 3.08&#9;Article
Applicable to Paying Agents</B>. 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 Second Supplemental Indenture and Base Indenture,
the term &#8220;Trustee&#8221; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 3.09&#9;Subordination</B>
Rights Not Impaired by Acts or Omissions of the Company or Holders of Senior Indebtedness. No right of any present or future holders of
any Senior Indebtedness to enforce subordination as provided in this Second 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 Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 3.10&#9;Modification
of Subordination Provisions</B>. Anything in Article IX of the Base Indenture or elsewhere contained in this Second Supplemental Indenture
to the contrary notwithstanding, no modification or amendment and no supplemental indenture shall modify the subordination provisions
of this Article III in a manner that would adversely affect the holders of Senior Indebtedness.</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
IV</B></FONT><BR>
REMEDIES</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.01&#9;Events
of Default.</B> The term &#8220;Event of Default&#8221;, wherever used in this Second 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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">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</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">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;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">in the event a receiver, conservator or similar official is appointed for the Company&#8217;s major subsidiary
depository institution (which, for the avoidance of doubt, as of the date hereof, is Customers Bank); or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">any other Event of Default as provided in Section 6.1 of the Base Indenture with respect to the Notes.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.02&#9;Acceleration
of Maturity; Rescission and Annulment</B>. If an Event of Default specified in Sections 4.01(a), 4.01(b) or 4.01(c) 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 0 12pt; text-align: justify; 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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">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
Second Supplemental Indenture or Base Indenture and the reasonable compensation, expenses, disbursements, and advances of the Trustee,
its agents, and counsel; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">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.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">No such rescission shall
affect any subsequent default or impair any consequent right.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.03&#9;</B>Collection
of Indebtedness and Suits for Enforcement by Trustee. The Company covenants that if:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">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;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">default is made in the payment of the principal of (or premium, if any, on) any Note at its Maturity;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">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</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">default is made in the performance, or breach, of any covenant or warranty of the Company in this Second
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 &#8220;Notice of Default&#8221; under this Second 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.</TD></TR></TABLE>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt 1in; text-align: justify"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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 Second Supplemental Indenture or Base Indenture
or in aid of the exercise of any power granted in this Second Supplemental Indenture or Base Indenture, or to enforce any other proper
remedy.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.04&#9;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. 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 7.7 of the Base Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.05&#9;Trustee
May Enforce Claims Without Possession of Notes</B>. All rights of action and claims under this Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.06&#9;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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><U>FIRST</U>: To the payment
of all amounts due the Trustee under Section 7.7 of the Base Indenture; and</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><U>SECOND</U>: 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><U>THIRD</U>: 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.07&#9;Limitation
on Suits</B>. No Holder of any Notes shall have any right to institute any proceeding, judicial or otherwise, with respect to this Second
Supplemental Indenture or Base Indenture, or for the appointment of a receiver or trustee, or for any other remedy under this Second Supplemental
Indenture or Base Indenture, unless:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">such Holder has previously given written notice to the Trustee of a continuing Event of Default with respect
to the Notes;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">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 Second Supplemental
Indenture or Base Indenture, as applicable;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">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;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">the Trustee for 60 days after its receipt of such notice, request, and offer of indemnity has failed to
institute any such proceeding; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">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;</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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 Second 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 Second Supplemental
Indenture or Base Indenture, except in the manner provided in this Second Supplemental Indenture and Base Indenture and for the equal
and ratable benefit of all of such Holders.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.08&#9;Unconditional
Right of Holders to Receive Principal, Premium, and Interest</B>. Notwithstanding any other provision in this Second 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 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 Second 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 III of this Second Supplemental Indenture.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.09&#9;Restoration
of Rights and Remedies</B>. If the Trustee or any Holder has instituted any proceeding to enforce any right or remedy under this Second
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 Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.10&#9;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 2.8 of the Base Indenture, no right or remedy conferred in this Second 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 Second Supplemental
Indenture and Base Indenture or now or in the future existing at law or in equity or otherwise. The assertion or employment of any right
or remedy under this Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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.
Every right and remedy given by this Article 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">such direction shall not be in conflict with any rule of law or with this Second Supplemental Indenture
or Base Indenture,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">the Trustee may take any other action deemed proper by the Trustee which is not inconsistent with such
direction,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">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</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">such Holders shall have provided indemnity or security satisfactory to the Trustee in connection with
the action or inaction so directed.</TD></TR></TABLE>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.13&#9;Waiver
of Past Defaults. </B>Subject to Section 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 Second Supplemental Indenture and Base Indenture with respect to such
Notes and its consequences, except a default (1) in the payment of the principal of or any premium or interest on any Note, or (2) in
respect of a covenant or provision of this Second Supplemental Indenture and Base Indenture which under Article IX of the Base Indenture
cannot be modified or amended without the consent of the Holder of each outstanding Note.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; 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 Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.14&#9;Undertaking
for Costs. </B>All parties to this Second 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 Second 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&#8217;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 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 4.15&#9;</B>Indenture
and Notes Solely Corporate Obligations. 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 Second Supplemental Indenture and Base Indenture and
the issue of the Notes.</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>ARTICLE
V</B></FONT><BR>
MISCELLANEOUS</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.01&#9;Application
of Second Supplemental Indenture.</B> Each and every term and condition contained in this Second 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 Second Supplemental
Indenture may be modified as set forth in Article IX of the Base Indenture.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.02&#9;Benefits
of this Second Supplemental Indenture.</B> Nothing in this Second 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
Second Supplemental Indenture.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.03&#9;Modification
of the Base Indenture.</B> Except as expressly provided by this Second Supplemental Indenture, the provisions of the Base Indenture shall
govern the terms and conditions of the Notes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.04&#9;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. The Trustee shall have no duty to review
or analyze reports delivered to it. Delivery of such reports, information and documents to the Trustee is for informational purposes only
and the Trustee&#8217;s receipt of such shall not constitute actual or constructive notice or knowledge of any information contained therein
or determinable from information contained therein, including the Company&#8217;s compliance with any of its covenants hereunder (as to
which the Trustee is entitled to rely exclusively on an Officers&#8217; Certificate). The Trustee shall have no duty to monitor whether
any such filings on EDGAR have been made.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.05&#9;Effective
Date.</B> This Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.06&#9;Counterparts.</B>
This Second 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 Second Supplemental
Indenture and of signature pages by facsimile or electronic format (i.e., &#8220;pdf&#8221; or &#8220;tif&#8221;) transmission shall constitute
effective execution and delivery of this Second Supplemental Indenture as to the parties hereto and may be used in lieu of the original
Second Supplemental Indenture for all purposes. Signatures of the parties hereto transmitted by facsimile or electronic format (i.e.,
&#8220;pdf&#8221; or &#8220;tif&#8221;) shall be deemed to be their original signatures for all purposes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.07&#9;Successors
and Assigns.</B> All covenants and agreements in the Base Indenture, as supplemented and amended by this Second Supplemental Indenture,
by the Company will bind its successors and assigns, whether so expressed or not.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.08&#9;Table
of Contents, Headings, Etc.</B> The Table of Contents and Article and Section headings in this Second Supplemental Indenture have been
inserted for convenience of reference only, are not to be considered part of this Second Supplemental Indenture and shall in no way modify
or restrict any of the terms or provisions hereof.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.09&#9;Severability
Clause.</B> In case any provision in this Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.10&#9;Satisfaction
and Discharge.</B> The Company shall be deemed to have satisfied all of its obligations under this Second Supplemental Indenture, and
this Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.11&#9;Ratification
of the Base Indenture.</B> The Base Indenture as supplemented by this Second Supplemental Indenture, is in all respects ratified and confirmed,
and this Second Supplemental Indenture will be deemed part of the Indenture in the manner and to the extent herein and therein provided.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.12&#9;Governing
Law.</B> This Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.13&#9;Trustee
Disclaimer.</B> The Trustee accepts the amendments of the Base Indenture effected by this Second 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 Second Supplemental Indenture or the Notes, (vi) the Company&#8217;s use of the proceeds
from the Notes or any money paid to the Company or upon the Company&#8217;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 Second 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: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.14&#9;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>




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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Section 5.15&#9;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 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>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the
parties hereto have caused this Second Supplemental Indenture to be duly executed as of the day and year first written above.</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; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <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-align: justify">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 46%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">By:</TD>
    <TD STYLE="width: 43%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><U>/s/ Mark R. McCollom</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Name:</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Mark R. McCollom</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Title:</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Executive Vice President and</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Chief Financial Officer</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&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; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">WILMINGTON TRUST,</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">NATIONAL ASSOCIATION, as Trustee</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&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; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">By:</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><U>/s/ Latoya S. Elvin</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Name:</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">Latoya S. Elvin</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Title:</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">Vice President</TD></TR>
  </TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 48pt; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 48pt; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 48pt; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 48pt; text-align: center"><I>[Signature Page to Second Supplemental Indenture]</I></P>


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>Form of Note</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-right: 0; margin-bottom: 12pt; margin-left: 0">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 0 12pt; 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">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&#8217;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 0 12pt; 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: 6pt 0 12pt; 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 &#8220;<U>PLAN</U>&#8221;) SUBJECT TO THE U.S. EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974,
AS AMENDED (&#8220;<U>ERISA</U>&#8221;), AN ENTITY WHOSE UNDERLYING ASSETS INCLUDE &#8220;PLAN ASSETS&#8221; BY REASON OF ANY PLAN&#8217;S
INVESTMENT IN THE ENTITY (A &#8220;<U>PLAN ASSET ENTITY</U>&#8221;) 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 &#8220;<U>NON-ERISA ARRANGEMENT</U>&#8221;) AND IS NOT</P>


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 6pt 0 12pt; text-align: justify">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">CUSIP No. 23204GAH3</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">6.875% FIXED-TO-FLOATING RATE SUBORDINATED NOTES DUE 2036</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">No. 1 $100,000,000</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">CUSTOMERS BANCORP, INC., a Pennsylvania corporation (the &#8220;<U>Company</U>&#8221;),
for value received, herein promises to pay to CEDE &amp; CO., or its registered assigns, the principal sum of ONE HUNDRED MILLON DOLLARS
($100,000,000), or such lesser amount as is indicated in the records of the Trustee and the Depository, on January 15, 2036.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">Fixed Rate Interest Payment Dates: January 15 and July 15 of each
year, commencing on July 15, 2026.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">Fixed Rate Interest Record Dates: January 1 and July 1</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">Floating Rate Interest Payment Dates: January 15, April 15, July
15 and October 15 of each year, commencing on April 15, 2031.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">Floating Rate Interest Record Dates: January 1, April 1, July 1
and October 1</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">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 0 12pt">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 0 12pt">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 0 24pt">CUSTOMERS BANCORP, INC.</P>

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

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

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


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

<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 12pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B>TRUSTEE&#8217;S
CERTIFICATE OF AUTHENTICATION</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">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 0 12pt">Dated: December 22, 2025</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">WILMINGTON TRUST, NATIONAL ASSOCIATION,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 24pt">as Trustee</P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 6pt 0 0.25in">(Reverse of Note)</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 0 12pt">6.875% Fixed-to-Floating Rate Subordinated Notes Due 2036</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">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 0 12pt; text-align: justify">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
of Principal and Interest</U>. Customers Bancorp, Inc. (the &#8220;<U>Company</U>&#8221;), a Pennsylvania corporation, promises to pay
CEDE &amp; CO., or registered assigns, the principal amount of ONE HUNDRED MILLION DOLLARS ($100,000,000) on January 15, 2036 (the &#8220;<U>Maturity
Date</U>&#8221;), unless redeemed prior to such date. This Note will bear interest at a fixed rate of 6.875% per annum from and including
December 22, 2025, to, but excluding, January 15, 2031 (the &#8220;<U>Fixed Rate Period</U>&#8221;), unless redeemed prior to such date.
Interest accrued on this Note during the Fixed Rate Period will be payable semi-annually in arrears on January 15 and July 15 of each
year (each such date, a &#8220;<U>Fixed Rate Interest Payment Date</U>&#8221;), with the first such Fixed Rate Interest Payment Date being
July 15, 2026, and the last such Fixed Rate Interest Payment Date being January 15, 2031, unless redeemed prior to such date. This Note
will bear interest at a floating per annum interest rate from and including January 15, 2031, to, but excluding, the Maturity Date or
any earlier redemption date (the &#8220;<U>Floating Rate Period</U>&#8221;). The floating interest rate will be reset quarterly, and the
interest rate for any Floating Rate Period will be equal to the then-current Benchmark plus 342 basis points. During the Floating Rate
Period, interest on this Note will be payable quarterly in arrears on January 15, April 15, July 15 and October 15 of each year (each
such date, a &#8220;<U>Floating Rate Interest Payment Date</U>&#8221;, and together with a Fixed Rate Interest Payment Date, an &#8220;<U>Interest
Payment Date</U>&#8221;), with the first such Floating Rate Interest Payment Date being April 15, 2031, and the last such Floating Rate
Interest Payment Date being the Maturity Date or any earlier redemption date. Notwithstanding the foregoing, if the Benchmark is less
than zero, the Benchmark shall be deemed to be zero. Interest on each Fixed Rate Interest Payment Date is payable to holders of record
on January 1 and July 1 of each year (whether or not a Business Day), commencing July 1, 2026 (each, a &#8220;<U>Fixed Rate Regular Record
Dates</U>&#8221;). Interest on each Floating Rate Interest Payment Date is payable to holders of record on January 1, April 1, July 1
and October 1 of each year (whether or not a Business Day) commencing April 1, 2031 (each, a &#8220;<U>Floating Rate Regular Record
Dates</U>&#8221;, and together with the Fixed Rate Regular Record Date, the &#8220;<U>Record Dates</U>&#8221;).</P>


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The interest payable on any Fixed Rate Interest
Payment Date during the Fixed Rate Period will be computed on the basis of a 360-day year consisting of twelve 30-day months to, but excluding,
January 15, 2031. The interest payable on any Floating Rate Interest Payment Date during the Floating Rate Period will be computed on
the basis of a 360-day year and the number of days actually elapsed. If a Fixed Rate Interest Payment Date or the Maturity Date for this
Note falls on a day that is not a Business Day, the interest payable on such Interest Payment Date or the payment of principal and interest
on the Maturity Date will be paid on the next succeeding Business Day, but the payments made on such dates will be treated as being made
on the date that the payment was first due and the Holder of this Note will not be entitled to any further interest or other payment.
If a Floating Rate Interest Payment Date falls on a day that is not a Business Day, then such Floating Rate Interest Payment Date will
be postponed to the next succeeding Business Day, unless such day falls in the next succeeding calendar month, in which case such Floating
Rate Interest Payment Date will be accelerated to the immediately preceding Business Day, and, in each such case, the amounts payable
on such Business Day will include interest accrued to, but excluding, such Business Day.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">For Notes held in definitive form, payments
of interest may be made, at the Company&#8217;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 Trust Company
(&#8220;DTC&#8221;), 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 0 12pt; text-align: justify">2.&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 0 12pt; text-align: justify">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indenture</U>.
This Note is one of the 6.875% Fixed-To-Floating Rate Subordinated Notes Due 2036 (the &#8220;<U>Notes</U>&#8221;) 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 &#8220;<U>Base Indenture</U>&#8221; and, as amended, modified and supplemented by the Second
Supplemental Indenture, dated as of December 22, 2025, the &#8220;<U>Indenture</U>&#8221;), by and between the Company and the Trustee.
This Note is a &#8220;<U>Global Security</U>&#8221; and the Notes are &#8220;<U>Global Securities</U>&#8221; 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 0 12pt; text-align: justify">4.&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 &#8220;<U>Redemption</U></P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Price&#8221;), on any Interest Payment Date
on or after January 15, 2031. 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 Second 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 0 12pt; text-align: justify">5.&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 DTC at least
10 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 $1,000 may be redeemed
in part but only in whole multiples of $1,000, 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 0 12pt; text-align: justify">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Denominations,
Transfer, Exchange</U>. The Notes are in registered form without coupons in minimum denominations of $1,000 and integral multiples of
$1,000 in excess thereof. 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 0 12pt; text-align: justify">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Sinking Fund</U>. There is no sinking fund provided for the Notes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">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 0 12pt; text-align: justify"></P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">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&#8217;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 0 12pt; text-align: justify">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 0 12pt; text-align: justify">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 Second 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</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">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 0 12pt; text-align: justify">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 0 12pt; text-align: justify">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">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 0 12pt; text-align: justify">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 0 12pt; text-align: justify">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 0 12pt; text-align: justify">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>


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">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 0 12pt; text-align: justify">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; text-align: center">Customers Bancorp, Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">701 Reading Avenue</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">West Reading, PA 19611</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">Attention: Andrew Sachs, Corporate Secretary</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">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 0 12pt; text-align: justify">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: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Assignment
Form</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">To assign this Note, fill in the form below: (I) or (we) assign and transfer
this Note to</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">(Insert assignee&#8217;s Social Security or Tax Identification number)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">(Print or type assignee&#8217;s name, address and zip code)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">and irrevocably appoint to transfer this Note</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt">on the books of the Company. The agent may substitute another to
act for him.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Your signature: ___________________________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; 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 0 12pt; text-align: justify">Tax Identification No.: __________________</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">SIGNATURE GUARANTEE:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Signatures must be guaranteed
by an &#8220;eligible guarantor institution&#8221; meeting the requirements of the Registrar, which requirements include membership or
participation in the Security Transfer Agent Medallion Program (&#8220;STAMP&#8221;) or such other &#8220;signature guarantee program&#8221;
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: 11pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 6pt 0 0.25in; text-align: center"><B>[To Be Attached to Global Notes]</B></P>


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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; 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">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="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%; padding: 0.25pt; font: 12pt Times New Roman, Times, Serif; text-align: center">Date of exchange</TD>
    <TD STYLE="width: 18%; padding: 0.25pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">Amount of</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">decrease in</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">principal amount</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">of this Global Note</P></TD>
    <TD STYLE="width: 18%; padding: 0.25pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">Amount of</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">increase in</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">principal amount</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">of this Global Note</P></TD>
    <TD STYLE="width: 25%; padding: 0.25pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">Principal amount</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">of this Global Note following such decrease or</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">increase</P></TD>
    <TD STYLE="width: 20%; padding: 0.25pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">Signature of authorized</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">signatory of</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center">Trustee or Notes Custodian</P></TD>
    <TD STYLE="width: 1%; padding: 0.25pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.25pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 12pt Times New Roman, Times, Serif">&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; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 12pt; text-indent: 36pt"></P>

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<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>3
<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">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 5.1</B></P>

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

<P STYLE="margin: 0">&nbsp;</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: 33%">&nbsp;<IMG SRC="image_001.jpg" ALT=""></TD>
  <TD STYLE="width: 41%">&nbsp;</TD>
  <TD STYLE="width: 26%"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0in 0pt 6pt; text-align: left">2005 Market Street<BR>
Suite 2600<BR>
Philadelphia, PA 19103<BR>
T: 215.564.8000</P></TD></TR>
</TABLE>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center">December 22, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">701 Reading Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">West Reading, PA 19611</P>

<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="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: left; width: 5%; padding-top: 0.25pt; padding-right: 5.65pt; padding-left: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Re:</FONT></TD>
    <TD STYLE="width: 5%; padding: 0.25pt 5.65pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; width: 90%; padding-top: 0.25pt; padding-right: 5.65pt; padding-left: 5.65pt; font: 11pt Calibri, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customers Bancorp, Inc. &ndash; Offering of Fixed-to-Floating Rate Subordinated Notes</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">Ladies and Gentlemen:</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">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 $100,000,000 in aggregate principal
amount of its 6.875% Fixed-to-Floating Rate Subordinated Notes due 2036 (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. 333-290008, filed by the Company with the United States Securities and Exchange Commission (the &ldquo;Commission&rdquo;) on
September 3, 2025, which became effective automatically upon filing (together with the prospectus dated September 3, 2025 contained therein
(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 15, 2025 (the
&ldquo;Preliminary Prospectus Supplement&rdquo;), a free writing prospectus dated December 15, 2025 (the &ldquo;Free Writing Prospectus&rdquo;)
and a final prospectus supplement dated December 15, 2025 (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 Prospectus has 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 supplemental indenture dated December 22, 2025, between the Company and the Trustee
(the &ldquo;Second Supplemental Indenture,&rdquo; and together with the Base Indenture, the &ldquo;Indenture&rdquo;).</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 connection with this opinion, we have examined originals
or copies, certified or otherwise identified to our satisfaction, of:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(i)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the Registration Statement (including the Base Prospectus therein);</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(ii)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the Preliminary Prospectus Supplement;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(iii)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the Free Writing Prospectus;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(iv)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the Final Prospectus Supplement;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(v)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the Underwriting Agreement dated December 15, 2025, by and among the Company, Customers Bank and Keefe,
Bruyette &amp; Woods, Inc., Piper Sandler &amp; Co. and Raymond James &amp; Associates, Inc., as the representatives of the several Underwriters named
therein (the &ldquo;Underwriting Agreement&rdquo;);</FONT></TD></TR></TABLE>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(vi)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the Indenture;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(vii)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the form of global note representing the Subordinated Notes;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(viii)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the Company&rsquo;s Amended and Restated Articles of Incorporation, as amended, in effect on the date
hereof;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(ix)</FONT></TD><TD><FONT STYLE="font-size: 10pt">the Company&rsquo;s Amended and Restated Bylaws, as amended, in effect on the date hereof;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(x)</FONT></TD><TD><FONT STYLE="font-size: 10pt">resolutions of the Company&rsquo;s Board of Directors and of the Pricing Committee thereof with respect
to the offering of the Subordinated Notes; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt">(xi)</FONT></TD><TD><FONT STYLE="font-size: 10pt">such other records, documents, certificates and statutes as we have deemed necessary for purposes of
this opinion letter.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt 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) the authenticity, completeness, truth and due authorization and execution of all documents
submitted to us as originals, (ii) the genuineness of all signatures on all documents submitted to us as originals and (iii) 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, representations that the Trustee is in full compliance with the terms of the Indenture and that the
Indenture has been duly authorized, executed and delivered by, and is valid and binding upon, the Trustee and enforceable against the
Trustee in accordance with its terms.</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 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 Commonwealth of
Pennsylvania and 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, except to the extent that such compliance is related to the valid issuance
and enforceability of the Subordinated Notes. 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, the Free Writing Prospectus
or any other free writing prospectus, other than as expressly stated herein with respect to the issuance of the Subordinated 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">Our opinions are limited and qualified in all respects
by the effects of (i) general principles of equity and limitations on availability of equitable relief, including specific performance,
whether applied by a court of law or equity, (ii) 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: 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">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 manner to reflect any facts
or circumstances which hereafter come to our attention.</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt 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 as provided 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: 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 0 12pt; 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: 10pt 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 on December 22, 2025 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. 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: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><BR>
<BR>
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 2.5in; text-indent: 0.5in">Very truly yours,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 2.5in; text-indent: 0.5in">/s/ Stradley Ronon Stevens &amp; Young,
LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 3in">STRADLEY RONON STEVENS &amp; YOUNG, LLP</P>



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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>cubi-20251222_lab.xml
<DESCRIPTION>XBRL LABEL FILE
<TEXT>
<XBRL>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_OtherReportingStandardItemNumber_lbl" xml:lang="en-US">Other Reporting Standard Item Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
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<DESCRIPTION>XBRL PRESENTATION FILE
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end
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.4</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Dec. 22, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 22,  2025<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-35542<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Customers
                                            Bancorp, Inc.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001488813<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">27-2290659<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">701
Reading Avenue<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">West
Reading<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">19611<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=CUBI_VotingCommonStockParValue1.00PerShareMember', window );">Voting Common Stock, par value $1.00 per share</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="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="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="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="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=CUBI_FixedtofloatingRateNoncumulativePerpetualMember', window );">Fixed-to-Floating Rate Non-Cumulative Perpetual</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="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Fixed-to-Floating
                                            Rate Non-Cumulative Perpetual<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=CUBI_Sec5.375SubordinatedNotesDue2034Member', window );">5.375% Subordinated Notes due 2034</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="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">5.375%
                                            Subordinated Notes due 2034<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CUBB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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>
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